Cosmetology Insurance Requirements For Louisiana 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 Louisiana?
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.
Many people make up claims; and, if they do have an injury, or are truly maimed, they might be covered from these claims. However, even if there are clients out there who are simply trying to make some money off of you, the fact that you have an insurance policy for personal protection in place is something that is going to go a long way to protect you, whether or not a claim is valid.
Since you never know what can or will go wrong in the field, you have to have the right insurance protection in place for yourself. With a great Louisiana cosmetology insurance policy, you are going to protect yourself, as well as your business, and the license that you hold. Even if it is a false claim, you are going to be covered. You won’t have to worry about high costs, or possibly losing your business and license, when you have a personal protection policy in place with a top insurance provider.
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.
To become a cosmetologist in Louisiana, you need to complete 1500 hours, pass the state boards and the licensing exams, and renew your license annually.Working in the field of cosmetology, you are likely aware of the fact that you are working with chemicals, dangerous equipment, and other equipment that can potentially injure your clients. For this reason, having a cosmetology insurance policy in place, for personal protection, is in your best interest. If a curling iron causes burns to a client, if the hair dryer malfunctions, or if dyes cause their hair to burn or even fall off, you are in trouble without insurance. But, with the right policy in place, you are going to shield yourself of liability for these issues that do occur, issues over which you may not have any control.
Equipment tends to break over time; an insurance policy can also protect you under these situations. And, if you need to buy new equipment, you might find certain coverage options with insurance. If you injure a client, if you make a major mistake when cutting or dying their hair, or if you do something wrong when styling it, many emotional distress type of claims come out of these problems. If you are found to be guilty, this can mean a rather high-out-of-pocket costs for paying the client back due to the suffering that you have put them through. Your insurance policy is going to take care of these issues and is going to shield you from liability.
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