Cosmetology Insurance Requirements For Montana 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 Montana?
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.
Professional cosmetologists need to consult with an insurance company that understands the specific needs facing someone in the cosmetology industry. While most spas and salons have their own business insurance policies in place, you can still be sued personally, and you must therefore have your own insurance coverage in place.
Having a great cosmetology insurance policy is the best way to practice good business sense and protect yourself and your financial future from various claims that may be filed against you by clients or third parties alleging that your services caused bodily harm or property damage. A good insurance policy will help you take care of legal fees, judgments, and other fees you may incur while being away from work and engaged in a lawsuit. Be sure you understand exactly what your insurance covers, so you can have real peace of mind and solid protection against potentially devastating liability exposures. By investing in insurance, you’ll be making a smart move for you, your career, and your clients.
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.
Cosmetologists provide a wide variety of beauty treatments, including pedicures and applications of artificial nails, cosmetics, hair styling, and coloring and highlighting of hair. Everything you’ve learned in school, along with all of your professional experience pays off while you go about making your clients look their very best. While there are many benefits to the services you provide for both you and your client, you do encounter a certain number of risks when giving beauty treatments to your clients.
While you may generate a good income and have a wealth of clients you enjoy working with and working on, as a cosmetologist, you’ll also find that you run a certain set of risks. A common risk is bodily injury that may occur in the course of your work, especially because you work so closely to your client and his or her skin. Since you rely on hazardous chemicals, electrical tools and equipment to provide beauty treatments, you are faced with a real risk of accidental bodily injury.
Whether you work in a salon, operate from home, or travel to your clients, there are risks when dealing with the treatments you provide. Beauty treatments include dyes, chemicals, and hot equipment at times, which means there’s a chance for injury. No matter how well trained and careful you may be, there’s always room for human error. Accidents may result from the beauty treatment procedures, chemical products, or tools used.
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