Cosmetology Insurance Requirements For Maryland 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 Maryland?
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.
Cosmetology encompasses several professions, including barbers, nail technicians, make-up artists, estheticians, hairdressers, or beauticians. If you are still undecided if cosmetologist insurance is right for you, then below are a few advantages that might change your mind.
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.
If you work in Maryland as a cosmetologist, then you’ve completed 1500 hours or 24 months of apprenticeship, passed the state board and licensing exams, and have been renewing your license every two years. It’s also imperative that you have cosmetology insurance to protect your license and career. Cosmetologists have a vital function in society, especially when it comes to bringing out the best looks in someone. However, while cosmetologists work their miracles, there is always a risk that they may cause injury or harm to a client. In cases like these, it is ideal that you have insurance to cover you.
What Are Some Risks of Not Having Cosmetology Insurance
Emotional Distress
If you work in Maryland as a cosmetologist, then you’ve completed 1500 hours or 24 months of apprenticeship, passed the state board and licensing exams, and have been renewing your license every two years. It’s also imperative that you have cosmetology insurance to protect your license and career. Cosmetologists have a vital function in society, especially when it comes to bringing out the best looks in someone. However, while cosmetologists work their miracles, there is always a risk that they may cause injury or harm to a client. In cases like these, it is ideal that you have insurance to cover you.
Treatment Gone Wrong
A client wants to have a chemical peel on her skin and face. An esthetician happily obliges such request. However, the client recently came back from a tropical vacation, which meant that her skin was exposed to too much sunlight. This causes unattractive skin burns and pain. The client then sues the esthetician. If you are the esthetician in the scenario, wouldn’t you be glad to have a cosmetologist policy that will protect you and your finances during the lawsuit?
Bodily Injury
A cosmetologist uses a high-end moisturizer on a client. At home, the client puts on more of the product, which suddenly causes a skin rash. The client then sues the cosmetologist for damages, as she was the one using a “faulty” product. Having cosmetologist insurance will cover you from third-party claims that may have caused bodily injury. However, keep in mind that third-party claims have limits, so be sure to ask for exact details from your insurance company.
Client Property Damage
A hairdresser is asked to do an on-site service at a client’s home. One of the hairdresser’s pieces of equipment malfunctions and causes a small fire. The client then sues for mental distress and property damages. With cosmetologist insurance, you do not have to worry about such things, as the insurance company will cover it for you.
While it is true that the services of a cosmetologist are close to priceless, there are unforeseen risks that may cause disastrous results. If you are worried about such things from happening to you, events over which you could lose your professional cosmetologists’ license, then you might want to inquire about getting an insurance policy suited for professionals as a means to protect your livelihood.
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