Cosmetology Insurance Requirements For Indiana 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 Indiana?
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.
So, whether you are brand new to the field, or have been working in this field for years, having insurance is a great way to protect your reputation, as well as your license. It is also the only way to ensure you are going to be covered if something does go wrong. You have to find out what top insurers offer, what they charge, and how much protection you will have. When you compare a few policies and insurers, you will find one that is right for you, and the one that provides the full protection that you need in the field.ht policy coverage.
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.
As a cosmetologist, you will only learn so much in school; but, when you get out there and start to work with clients, you are going to make mistakes. And, even if your employer does provide some type of insurance, they are only going to cover you to a certain extent. You will, therefore, need to purchase your own Indiana cosmetology insurance personal policy. By doing this, you are going to protect yourself against the unforeseen problems that may occur.
There is no telling when you are going to make a mistake, when you are going to do something a client doesn’t like, or when equipment is going to malfunction and injure your client; by having your own personal policy, you are going to greatly protect yourself, and by so doing, possibly prevent the salon or a spa that employs you from being sued, too. And, you are going to be able to keep your licensing intact. In Indiana, you’ll need 15o0 hours, you’ll have to pass the state board and licensing exams, and you’ll have to renew your license every four years. After so much work, you’ll want to keep it.
You want to take the time to compare your Indiana cosmetology insurance policies, the providers, and what is going to be covered in the policy that you do buy. If you injure a client, malpractice claims can file in; if you cause emotional distress, this is a different type of claim. You have to make sure the policy that you buy is going to cover all of this, and more, so that you are protected no matter what type of issues ensue, what mistakes you make, or what type of problems you run into in your career. There is no way to know what is going to happen or when you will have a bad day at work; when you are insured, and have a full coverage policy, you will take care of all types of claims that occur with the right policy coverage.
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