Cosmetology Insurance Requirements For Mississippi 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 Mississippi?
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!
Professional Cosmetology Liability Insurance is an Investment Every Beauty Pro Should Make
Malpractice can also be covered by these policies. In some cases, you might be sued for an imperfect job that you did on a client. Emotional distress is a claim many make. Whether it is false or not, if you have a liability lawsuit pending, you don’t want to take chances on losing your license, your money, or your reputation over it. Get the personal coverage you need so you can go to bed each night without worrying about the “what ifs.”
Although you like to think you are the best at your job, you can’t foresee the accidents or malfunctions that could happen, or the mistakes you are bound to make. Even if you have been a professional for several years, you can make a mistake. Covering yourself and having an individual cosmetology insurance policy is the best way to protect yourself, your license, and your long-term financial well-being.
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.
There is a reason that you need a cosmetology insurance policy. Like any other business professional, you want to shield yourself from liability, not only the false claims that may occur where individuals are simply trying to take advantage of you, but the viable claims, where you have made a mistake and need to protect yourself from that liability. Having a personal Mississippi cosmetology insurance policy in place is the best way to protect yourself, and having it is smart business practice, as well.
Mississippi requires that you complete 1500 hours or at least nine months, pass the state board and licensing exams, and renew your license every two years to practice cosmetology in the state as a licensed professional. You do the work to get your license, and you do your very best work and get insurance to keep it.
On a daily basis, you will come up close and personal with clients. You are using equipment that is hot and that can injure them. You are using harsh chemicals that may cause an adverse reaction. And, you are human; this means you are going to make a mistake every now and then. With a personal insurance policy in place, you are going to protect yourself against certain claims and the out-of-pocket expenses that would come along with the claims that are filed against you in this field of work.
You never know when an accident can occur. Equipment may malfunction, or you might overuse a chemical dye, causing an adverse reaction to a client. Or, you might simply slip up when cutting or styling their hair. So, what happens when the client sues you (not your employer)? Without insurance, you might be looking at a pretty big settlement figure. But, a personal liability coverage policy will protect you against these mistakes. You are human, but you can shield yourself from the consequences of making a mistake. Cosmetology coverage provides you with that shield.
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