Cosmetology Insurance Requirements For Idaho 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 Idaho?
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!
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
You never know what type of injuries can occur, or what will go wrong when you are working in this field; even if you have been in the field for years, making a mistake is not uncommon in the field. So, you want to do all you can to shield your liability and to take care of these damages if they do occur. The simple solution to the problem, and to dealing with such claims as they do occur, is for you to find a great insurer to cover you.
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.
Our part-time policy covers you for 10 hours or less (the highest in the industry) and has the same coverage as the full-time policy. Also, save $78 by getting the 2-year cosmetology insurance policy.
Having a cosmetology insurance policy is smart practice for individuals in the field; even if you have a policy or partial coverage with an employer, a personal policy will shield you against other forms of complaints. You never know when you will run into the client that is simply out to try to make a quick buck by suing you, or the client that truly does get hurt when you are taking care of them. For these reasons, you need to protect yourself, your reputation, and also your license — especially since you had to put in a minimum of 2000 hours or 4000 as an apprentice to get it — to ensure you are not going to lose the career you have taken the time and effort to build.
A personal policy covers you against claims of injury or a bad hair job. If you do make a major mistake, this can lead to possible issues or claims of a malpractice claim, or some kind of personal damages, a client may try to sue you for. Emotional distress is often associated with these claims, and they can end up costing you significantly if you are found to be at fault. In addition to this, losing your job is not uncommon in these types of situations either. So, having the personal insurance will shield you against these types of claims.
Another common type of claim comes from damages to property or some type of injury. Because of the fact that you are dealing with heavy equipment, high heat settings, and chemicals like hair dyes, this can lead to an injury of some kind, or equipment malfunctions. Plus, you might leave a hair dye on for too long during one of your stressful, busy days. Having a great cosmetology insurance policy set up, you will find that you can easily protect yourself, and you won’t be paying these costs yourself, putting your own personal finances at risk, if you do injure a client that comes in to the spa or a salon you own or work in.
Stay Protected With An Occurrence-Form Policy
Occurrence Form (also known as Occurrence Based) is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect, even if your policy has expired.
Other providers sell Claims-made policies, where any claim filed after the policy expires will not be covered. No matter if you choose NACAM or not, definitely make sure your provider has "occurrence form" coverage.
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