Cosmetology Insurance Requirements For Kentucky 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 Kentucky?
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.
Having a personal insurance policy also gives your business greater credibility with potential clients, as you then come across as being serious about what you do. Clients feel as if they have a greater sense of protection, even though they may know nothing about insurance or even be aware of the differences between policies. However, the public face that you portray is one of the cosmetologist a client can trust, especially if you have gone that extra step to secure yourself with insurance.
In short, the reason why you should get cosmetologist insurance is to ensure that you are protecting yourself and your business livelihood from being sued as a direct result of one of your failed (or regarded as failed) treatments. Sadly, we now find ourselves in a society where people will take each other to court at any opportunity, so does it not make sense to get the correct coverage? Do yourself a favor and talk to an insurance expert and to find out the correct policy for you today.
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.
Understanding the benefits of having cosmetologist insurance in Kentucky is important if you work in this particular industry. If you work for a salon, you may initially believe that the business insurance will cover you, but that is certainly not the case. If you work as an independent contractor, you need to have your own insurance. Give yourself the correct type of coverage from the outset to make sure you have a long, happy career as a cosmetologist. After completing the 1800 hours that Kentucky requires, passing the exams, and staying current by renewing your license every year, you’ll want to take every step possible to keep your license and your career profitable and steady by getting insurance.
First, we should really explain more about this form of insurance and what marks it out as being different. This type of specialist liability insurance is going to protect you from being sued if a client has a bad reaction or experience with one of your treatments. Imagine what would happen if they had an allergic reaction to a product you used and took you to court. With an individual cosmetology policy, it is possible to limit your losses with the issues or problems that can arise when you work in the beauty industry. Every day, your performance is judged by clients who may or may not be feeling that great about life or anything else when they come to see you.
Insurance companies that provide individual coverage have studied the industry and looked at areas that may prove to be problematic for a professional cosmetologist. This kind of in-depth study is what is missing with general forms of insurance, as those policies are designed to cover any business, no matter if one is a hairdresser or builder. This can leave some potential loopholes open that can be exploited by a lawyer, so from a business point of view, it makes sense to close that loophole by getting the correct type of coverage, which is a personal policy for cosmetologists that has general, professional, and product liability coverage included.
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