Cosmetology Insurance Requirements For Georgia Residents
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 500+ beauty and wellness services.
Live streaming and pre-recorded video covered
Safe and Secure Online Checkout
Occurrence-form for complete protection
500+ modalities covered including Acro & SUP yoga, Reiki and more.
How Much Does Cosmetology Insurance Cost in Georgia?
With NACAMS, our policy options cost as low as $0.45 per day and can save you potentially 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 your services.
One of the top reasons professionals choose NACAMS as their professional liability insurance provider is because we cover dual practitioners offering services like hair cuts, facials, meditation and more for one low cost.
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 YTT. 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!
Professional Cosmetology Liability Insurance is an Investment Every Beauty Pro Should Make
If you are a practicing cosmetology professional in the state of Georgia, 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. The topic of insurance for cosmetologists in Georgia is not always fun to discuss, but it is an absolute necessity in order to protect your livelihood from various lawsuits that may be brought against you by disgruntled clients.
In Georgia, 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.
Get free member benefits such as an easy-to-customize website, up to 25% of Hertz, up to 75% off Office Depot, up to 50% off UPS, up to 30% off Lenovo, up to 60% off of hotels worldwide, and 40% off universal background screening.
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 Georgia-based Cosmetologists?
Cosmetologists in Georgia are not required to carry cosmetology insurance aka beauty insurance to shield them from personal liability. Additionally, unless required by an establishment (spas or skincare clinics), or a special licensing requirement (chemical treatments, or medical spa procedures), estheticians are not required to hold any certification in order to work as a specialist.
How Do I Become a Cosmetologist in Georgia?
Each state has different regulations for becoming a cosmetologist, so you should research your state's licensing board requirements. To become an esthetician in Georgia, you are required to complete 1,500 school hours with 3,000 apprentice hours. You must be 17 years of age to begin your certification training. Visit the Georgia State Board of Cosmetology for more details.
Understanding Cosmetology Insurance In Georgia
Insurance for cosmetologists in Georgia 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 Georgia Make?
According to ZipRecruiter.com, on average, licensed cosmetologists in Georgia make between $16,000 to $63,000 with a median total annual pay of $37,000. 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!
It was a no brainer that I would choose Nacams as my liability insurance. You get a better value at a reasonable cost.
Sally
This is a very easy, efficient, affordable and well crafted solution which avoids the horrific confusion that most insurance provided cannot seem to avoid.
Elizabeth
I feel confident with Nacams insurance in my reiki business.
Nancy
Love this Company! Very easy to move around and shop for the best policy, not to mention the best price!
Suzanne
While my customers do sign a liability waiver on behalf of the business where I am an employee, I'd prefer to have this backbone behind me protecting my person and any damage an unruly person could assert. Thank you NACAMS for protecting me professionally!
Jenn
Very easy and straightforward. Easy to locate my modalities on the website to ensure they are covered.
James
Georgia Cosmetology Insurance FAQs
Georgia does not require by law for beauty professionals in cosmetology to hold liability insurance. However, the state strongly recommends protecting yourself from a liability lawsuit with sufficient coverage.
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 Georgia. 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 Georgia 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 Georgia needs.
With NACAMS, it's incredibly easy to get cosmetology insurance online in Georgia. 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.