Cosmetology Insurance Requirements For Kansas 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 Kansas?
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.
It is likely issues will occur even if you are experienced and have worked in the field for many years. There are possibilities you are going to make mistakes and are going to do something a client doesn’t like. Since you can’t protect yourself from the claims being filed, you might as well protect yourself from liability if they are filed. The best way to do this is to buy in to the personal insurance liability claims, so you know you are at least covered financially for such claim types.
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 current Kansas cosmetology insurance policy is a good idea for any cosmetologist. Not only will this shield you from claims and different types of problems that can occur, it will also help you make payments in the event you are found liable to the client that you have injured. While some employers may carry their own insurance, it may not cover you. Having a personal cosmetologist policy is the only way to assure yourself you’re covered. Such policies will cover the expenses, fees, and other costs which are associated with a claim, should you be found at fault for a client’s injury while that he or she is in your care.
Your personal policy will cover you against liability claims. If you make a major mistake when styling or cutting hair, clients might file for emotional distress or damage claims, due to the way they look after you have worked on them. Or, if you injure a client with hair dyes, other chemicals you use, or even faulty equipment, these types of claims can really end up costing you quite a bit to settle them. But, with a personal insurance policy, you are going to shield yourself from these liabilities, as well as the cost that comes along with them.
Loss of license is another major problem if you are dealing with different types of claims in this field. Having an insurance policy in place will help shield you from certain liabilities and prevent you from losing the license you worked so hard to achieve. To earn your license in Kansas, you have completed 1500 hours and passed the state board and licensing exams. You’ve also stayed up to date by renewing your license every two years, so it’s in your interest to protect it, though it may seem unlikely to you that you’ll have to someday. Even if an incident occurs because of equipment malfunction or other problems with the salon you are working at, you may still be liable to the client for the problems that have occurred if that client pursues legal action. Your cosmetologist policy will protect you, though the salon may still be found at fault.
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