Florida Cosmetology Insurance
Safeguard Your Financial Assets With with NACAMS Top-Rated Cosmetologist Liability Insurance
Live Streaming and Pre-Recorded Classes Covered
Safe and Secure Online Checkout
Occurrence-Form Coverage To Protect You After You Stop Teaching
500+ modalities covered including Acro & SUP yoga, Reiki and more.
How Much Does Cosmetology Insurance Cost in Florida?
Policies cost as low as $0.45 per day and can save you hundreds of thousands of dollars if a lawsuit were to occur. Even the most experienced cosmetologist could be held liable if a client were to be injured during one of your appointments or even just on your premises. One of the top reasons specialists choose NACAMS is because we cover over 500 modalities including esthetics, body contouring, and more.
FULL time
1 Year
$179
Full time
2 Year (saves you $29!)
$329
Student
1 Year
$60
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their training, and that policy is good for the next 364 days, even if you are teaching full-time!
61% of cosmetologists renew annually with NACAMS
Professional Cosmetology Liability Insurance is an Investment Every Beauty Pro Should Make
If you are a practicing cosmetology professional in the state of Florida, having the appropriate liability insurance coverage is just as important as being able to consistently book clients. Cosmetology covers a wide range of services pertaining to the treatment of hair, skin, and nails, and one of the unfortunate realities of the cosmetology profession is that accidents can and do happen.
In Florida, cosmetology services are offered in various settings, helping to increase client convenience and growth opportunities. With NACAMS, you're covered anywhere you offer your services including spas, beauty salons, and even at home.
A NACAMS Policy Includes:
500+ Modalities Covered—No Extra Cost
You’re covered for over 500 yoga, massage, & beauty modalities like facials, hair color, chemical treatments, and more. We make it easy for dual practitioners.
Access To Top Rated Member Benefits
Get free member benefits such discounts on rental cards, hotels, printing and shipping.
Free Certificate of Insurance
Purchase online or over the phone and you are instantly insured. Download your free certificate of insurance (COI) directly in your member poral.
Access to the Health Insurance Marketplace
Get access to affordable health care, vision and dental. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365 via telephone, video, or mobile app—with only a $10 copay.
What are the Insurance Requirements for Florida-based Cosmetologists?
Cosmetologists in Florida are required to carry cosmetology insurance aka beauty insurance to shield them from personal liability. Additionally, based on your specialty, cosmetologists are required to hold specific certifications to work as a specialist.
How Do I Become a Cosmetologist in Florida?
Each state has different regulations for becoming a cosmetologist, so you should research your state's licensing board requirements. To become an cosmetologist in Florida, you are required to complete 1,200 hours of training. You must be 16 years of age to begin your certification training. Visit the Florida Division of Professions, Board of Cosmetology for more details.
Understanding Cosmetology Insurance In Florida
Insurance for cosmetologists in Florida typically covers two main types of scenarios: professional liability (a.k.a. “malpractice”) and general liability (a.k.a. “slip and fall”). Professional liability pertains to any grievances or claims brought against you by clients who claim to have suffered injury or damages due to some type of error or negligence on your part. Examples of this could include an infection received from a nail treatment, or chemical burns on the scalp due to an improper technique employed in a hair color treatment gone wrong.
How Much Do Cosmetologists in Florida Make?
According to Indeed.com, on average, licensed cosmetologists in Florida make between $27,000 to $129,000 with a median total annual pay of $59,000. This can vary depending on factors like if you work only part-time, which studio you work for, if you offer classes independently and so on.
Compare Cosmetology Insurance
Our cosmetology insurance comparison guide gives you a clear breakdown of your options, so you can make the most informed decision.
| NACAMS | Associated Hair Professionals | Next Beauty Insurance | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Protection Coverage Included? | $$$Add’tl Cost | ||||
| Occurrence Form Coverage | |||||
| Access to Insurance Marketplace | |||||
| Nationwide Portable Coverage | |||||
| 500+ Modalities Covered | |||||
| Price | $179 | $199 | Quote Required | $185 | $96 |
What Our Customers Are Saying
We are proud that NACAMS is rated a 4.7/5 (Excellent) on Truspilot. Read some of our reviews below!
Florida Cosmetology Insurance FAQs
In the state of Florida, beauty professionals in cosmetology are legally required to hold liability insurance to ensure protection from liability lawsuits.
When it comes to beauty professionals, the importance of liability insurance cannot be overstated. Unfortunately, beauty professionals are more likely than ever to encounter a lawsuit these days. Protecting yourself and your career with cosmetology liability insurance is absolutely necessary to maintain a healthy career and secure finances.
Get insured today to have the satisfaction that comes with complete coverage.
Unlike some other companies that might sneak in prices and fees, we provide open and honest pricing for every policy. You shouldn't have to guess what you're going to pay for cosmetology insurance in Florida. That's why we provide entirely transparent costs upfront for every dime you'll spend.
Our plan costs are as follows:
- Student rates start at $60 for one year of coverage.
- Full-time rates begin at $179 for one-year coverage.
- Professional rates are offered at $329 for two full years of coverage.
Each plan includes the same fantastic coverage but centers on a different stage in your career and cosmetology goals. No matter where you are in your professional journey, we have a plan just for you.
Every beauty professional is unique and provides different services that require specific coverage plans. In general, most cosmetologists will need a range of liability coverage to protect themselves from a liability lawsuit completely. That way, they can enjoy the confidence of a total defense system against the cost of exorbitant legal fees, medical bills, etc.
Here's what every Florida cosmetologist needs coverage-wise:
- General liability to protect against universal risks, like slips and falls.
- Professional liability coverage to defend against mistakes and malpractice suits.
- Product liability coverage to protect from manufacturing errors, bad reactions, and equipment malfunctions.
- Identity Theft Protection
We include everything listed above to help provide the all-around coverage every cosmetologist in Florida needs.
With NACAMS, it's incredibly easy to get cosmetology insurance online in Florida. In as little as 5 minutes, you can complete the entire application process and enjoy instant access to your benefits and proof of coverage. Unlike other companies that make you wait to receive your benefits or coverage cards, we give it to you right away.
Our online application process is simple and straightforward. Seriously, in less time than you'll spend in line for coffee, you can make the investment in your career and have comprehensive coverage just like that.