Cosmetology Insurance Requirements For Nebraska 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 Nebraska?
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
Having cosmetologist coverage will also protect you against false claims. If a client is simply trying to make a quick buck and files a false claim, an insurance policy will protect you against these individuals, as well, and will protect your license, so you can continue to work in the field that you love. Many different issues may arise, and having a comprehensive insurance policy for cosmetologists in place is your best bet. In most cases, if you make a mistake, if you cause an injury, or if equipment malfunctions while you are using it, the liability is going to fall on you, and not on the business that employs you or the space that you rent from. For these instances, and for any other issues that may arise while working in this field, it is just smart practice to purchase a personal liability insurance policy and give yourself the best foundation for growing your client base and for maintaining 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.
After completing 2100 hours and passing all of the state board and licensing exams, you’ll be licensed to work as a professional cosmetologist in Nebraska. You’ll have to renew your license every two years in December to stay current in the state.As a cosmetology professional, you’ll work with several clients on a daily basis. If you do not have the right personal Nebraska cosmetology insurance coverage in place, this can result in major expenses for you.
If you do freelance work, you might be called by a client to work at his or her home. If you cause some kind of damage in the client’s home, or to your employer’s property, having a personal liability coverage policy in place is going to protect you. It may cover you against property damage claims or misuse of equipment when you are on the job, whether you accidentally injure a client or cause damage to their property.Injuries may ensue on a daily basis working as a cosmetologist, as well. If you burn a client with a hairdryer or commercial-grade equipment, this can cause major injuries to a client. Or, if you leave a hair dye or other chemical in their hair for too long, it can result in their hair falling out, or possibly worse, if some kind of reaction occurs with that dye or chemical product. And, what if you are cutting their hair and the scissors slip? Even as a professional of many years, you are not bulletproof, and you can make mistakes. With the right liability insurance in place, you are not only going to protect yourself from a major lawsuit, you are also going to protect yourself financially against the claims that may take place during your career as a cosmetologist.
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