Cosmetology Insurance Requirements For Iowa 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 Iowa?
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.
An insurance policy can even protect your own business. If you own a small business, spa, or salon, or you work as an independent contractor, you can easily be taken out of business with a big claim, since you may not have the finances needed to carry you though a lawsuit. With the right kind of insurance policy, you are going to be covered. You want to buy a personal protection policy, as you never know what can go wrong, or who is out there trying to make a living by filing insurance claims. When you buy insurance from a top provider, you are not only protected, but you are also not going to be held liable for certain injuries. And, when major issues do occur, you will not have to pay the entire expense to the individual who is injured, putting your long-term financial health on the line.
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.
In Iowa, you need to complete 2100 hours and pass the state board and licensing exams to earn your license; you must also complete 8 continuing education hours before renewing your license every two years. An Iowa cosmetology insurance policy is the only way to protect yourself and your well-earned license in this field. There are many benefits to owning a personal policy, but only if you have the right one. Since your employer, if you have one, may only protect you to a certain extent, if at all, you have to find a way to fully protect yourself from claims that will take place through the course of your career.
Emotional claims are one of the most common. If you do less-than-perfect job with a hair cut, if you burn a patient badly, or if you otherwise make a major mistake when cutting or styling their hair, an emotional distress claim could come out of this. The result: quite a large sum of money is going to come out of your personal reserves when you have to pay for the claim. However, if you do have a personal protection policy and you are fully covered, your license is not going to be revoked, your finances will be protected, and you will be able to continue to work in the field you love.
Loss of license is also common with certain injury claims. Since you are working with chemical dyes, this can cause damage or injury to patients; further, with equipment malfunctions, you never know how badly a patient may get hurt, if they do get burnt, or if something else should happen when you are working on them. When you have the right insurance policy in place, and when you buy your own personal protection policy, you do not have to worry about the very high cost of taking care of these claims that you would otherwise have to pay for personally, something that could put your own family’s well-being at risk.
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