Cosmetology Insurance Requirements For Nevada 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 Nevada?
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
There are so many things you can’t protect, nor shield yourself against. But, having the personal insurance liability coverage in place is a simple way to safeguard your career and the professional license that you hold. You do not want to run the risk of being sued while not having the right insurance in place. Not only could it result in heavy fines and lawsuit charges, it can also result in loss of your well-earned license. With the right liability coverage in place, not only is your license protected, but you are also going to be shielded from a the burden of facing a lawsuit that could result in the end of your 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.
In the field of cosmetology, you are working closely with clients on a daily basis, providing a range of cosmetic services, such as hair cuts, hair dying, hairstyling, waxing, and more. In Nevada, you must complete 1800 hours and pass three cosmetology state board exams in order to get your license and begin your career as a professional cosmetologist.Since you are so close and personal to clients and are using equipment that has the potential to injure them, as well as chemicals which can be dangerous, you have to protect yourself in the field. With an insurance policy for cosmetologists, you are going to shield yourself from liabilities that come along with working in this profession.
Accidents take place. Sure, you do everything you can to avoid them, but they still happen. If you are working on one too many clients at once, you might forget about one client that is dying their hair, and this can result in a chemical burn. You might forget to remove a hot oil hair treatment, which causes your client to get burned. Or, the equipment you are working with in the salon may malfunction, which could injure the client you are working with. These are only a few of the accidents and mistakes that can take place on an average day working in this field.
Sure, your employer may provide some protection if equipment malfunctions and or if other problems on the premises occur (such as a slip and fall). But what if the business doesn’t cover you? What if it does, but only partially? What if you work as an independent contractor and aren’t covered at all? What about the mistakes that you make personally? And what if the client sues both you personally, along with your employer? If a client chooses to sue you, the individual, for the awful haircut, or chooses to sue you for a burn they received while being taken care of by you, this can result in a major dilemma for you, your reputation, and your finances. Emotional distress claims are often filed if a haircut truly isn’t what the client was hoping for when they visited you for your professional services and expertise as a cosmetologist. In all of these cases, you need a liability policy that protects you, the individual 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