Cosmetology Insurance Requirements For Massachusetts 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 Massachusetts?
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.
Mistakes happen, equipment breaks down, and there are some other accidents or mishaps that can happen that you simply can’t predict or control. Having a personal insurance policy in place as a cosmetologist is just smart practice and will instill that extra confidence in your clients, too. Not only that, but when you compare rates with several insurers, you can find a good policy for a low monthly cost. So, take the time to compare a few policies, check the personal coverage options, and protect yourself, rather than run the risk of a personal lawsuit, which could put you permanently out of practice in your hard-earned career.
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.
As a cosmetologist in Massachusetts, you’ll have completed 1000 hours and passed the state practical and written exams before becoming licensed. Once you begin working, you will be dealing with a variety of customers each day. And, although you might have some coverage through the company that employs you, having a personal Massachusetts cosmetology insurance policy in place is smart practice, as well. You never know what issues may arise during the course of the day. And, since your employer’s business protection may not extend to you, if it’s available to cover you at all, it is in your best interest to have a personal policy in place so that you know you are fully protected in the event of a customer filing a lawsuit.
First off, your license will be protected. In certain lawsuits, clients may try to have your license revoked; with the right protection in place, you will be shielded from liability and won’t have to worry about this being an issue. Another reason to be covered is that your business coverage (from an employer), will only cover so much. Of course, if you work as an independent contractor, which most cosmetologists do, then you won’t be covered at all. In the event there is a major injury on your watch, you need a cosmetologist policy in place to safeguard you and your finances against the draining costs of a lawsuit.
In a worst-case scenario, say you accidentally contributed to a disastrous hair cut or makeover. If the customer comes back and tries to sue you for a major mistake that you made or for emotional distress of some kind, you will need insurance coverage to protect you. These lawsuits can be extremely costly if you do not have the right insurance policy in and can potentially put you out of business. With a cosmetology policy secured, not only are you covered, but you also provide an extra sense of security for your clients, who will know you take your career and their comfort seriously.
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
Alabama Cosmetology Insurance FAQs
Alabama does not require by law for beauty professionals in cosmetology to hold liability insurance. However, the state strongly recommends protecting yourself from a liability lawsuit with sufficient coverage.
When it comes to beauty professionals, the importance of liability insurance cannot be overstated. Unfortunately, beauty professionals are more likely than ever to encounter a lawsuit these days. Protecting yourself and your career with cosmetology liability insurance is absolutely necessary to maintain a healthy career and secure finances.
Get insured today to have the satisfaction that comes with complete coverage.
Unlike some other companies that might sneak in prices and fees, we provide open and honest pricing for every policy. You shouldn't have to guess what you're going to pay for cosmetology insurance in Alabama. That's why we provide entirely transparent costs upfront for every dime you'll spend.
Our plan costs are as follows:
- Student rates start at $60 for one year of coverage.
- Full-time rates begin at $179 for one-year coverage.
- Professional rates are offered at $329 for two full years of coverage.
Each plan includes the same fantastic coverage but centers on a different stage in your career and cosmetology goals. No matter where you are in your professional journey, we have a plan just for you.
Every beauty professional is unique and provides different services that require specific coverage plans. In general, most cosmetologists will need a range of liability coverage to protect themselves from a liability lawsuit completely. That way, they can enjoy the confidence of a total defense system against the cost of exorbitant legal fees, medical bills, etc.
Here's what every Alabama cosmetologist needs coverage-wise:
- General liability to protect against universal risks, like slips and falls.
- Professional liability coverage to defend against mistakes and malpractice suits.
- Product liability coverage to protect from manufacturing errors, bad reactions, and equipment malfunctions.
- Identity Theft Protection
We include everything listed above to help provide the all-around coverage every cosmetologist in Alabama needs.
With NACAMS, it's incredibly easy to get cosmetology insurance online in Alabama. In as little as 5 minutes, you can complete the entire application process and enjoy instant access to your benefits and proof of coverage. Unlike other companies that make you wait to receive your benefits or coverage cards, we give it to you right away.
Our online application process is simple and straightforward. Seriously, in less time than you'll spend in line for coffee, you can make the investment in your career and have comprehensive coverage just like that.