Cosmetology Insurance Requirements For Maine 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 Maine?
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.
Although it is easy to see why some healthcare professionals (for instance clinicians or cosmetic surgeons) need liability insurance, you might be inclined to think that the risk involved in your work as a cosmetologist is low and that, therefore, you don’t need personal liability insurance. True: The risk involved in cosmetology might be low compared to some therapies out there. But the fact remains there are certainly some specific risks when giving clients beauty treatments.
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.
Cosmetologists in Maine provide a variety of beauty services, such as skin care, scalp and facial treatments, manicures, pedicures, hair styling, shampooing, coloring, cutting, and more, to help clients look their best. You’ll have to complete 1500 hours or 2500 hours of apprenticeship, pass the state cosmetology board exams and licensing exam, and continue to renew your license annually in October to work as a cosmetologist in the state. This profession involves close contact with different types of people, and comes with some specific risks, so you’ll want to seriously consider getting insurance as soon as you are licensed to work.
What are the Risks of Working As a Cosmetologist in Maine?
The act of giving beauty treatments typically involves some kind of personal contact, as well as the use of hazardous chemicals, supplies, tools, and equipment. Liability exposures can arise from any of these sources. A client may bring a lawsuit claiming misconduct just because you accidentally bumped into her/him while giving them a pedicure. One of your beauty products may cause skin irritation or rashes, leading to a bodily injury claim. Or one of your pieces of equipment may become defective, and may cause an injury to a client of which you could be held responsible for. Simply put: There are real risks that are involved while working as a cosmetologist.
No matter which part of the cosmetology industry you work in, whether you work as an independent contractor, an employee of a spa or salon, or as a mobile professional who travels to people’s homes, a personal liability insurance is essential for your career. Complaints, lawsuits, and misunderstandings with clients can ruin your reputation completely. A good insurance policy protects your cosmetology practice from suffering the consequences of an expensive lawsuit, which could also damage your reputation and career.
The Importance of Personal Liability Insurance
In today’s highly litigious society, you can easily find yourself in trouble because of a malpractice suit, personal injury lawsuit or some other claim targeted towards you personally or against your practice. Whether you’re a personal stylist or a mobile cosmetologist in people’s homes, you face the daily risk of legal action being taken against you in respect of your legal liability for bodily injury or property damage arising during the course of your practice. One lawsuit could potentially ruin you and your career if not handled properly.
Cosmetology insurance protects you against claims made against you in regard to your legal liability for bodily injury or property damage sustained by clients arising from the course of your practice. This type of insurance will protect you against day-to-day risk, enhance your professional reputation, give you peace of mind, give peace of mind to your clients, protect your personal assets, and protect future earnings. It is something you cannot afford to ignore.
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