Cosmetology Insurance Requirements For New Hampshire 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 New Hampshire?
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
Cosmetology insurance provides financial peace of mind, as well as protection. It is specifically designed to protect you legally and financially in the event a client files a lawsuit alleging that you caused them to suffer bodily harm or property damage during the course of the beauty therapy. Any mistake, mishap, or accident while giving beauty treatments could lead to an expensive lawsuit and a claim against you. Whether you’re actually responsible for it or not is beside the point. When a lawsuit is filed against you, you’ll have to pay for your legal defenses and also lose income as you have to spend time away from work while attending court sessions.
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.
Let’s face it – worrying about liability insurance isn’t what you had in mind when you decided to become a cosmetologist in New Hampshire. More likely, you were focused on getting the 1500 hours or 3000 of apprenticeship the state requires and passing the board and licensing exams so you could get your license in the state. However, along with your license, insurance is actually one of the most important things you need in your career. This is because there are specific risks that you face and if you aren’t adequately insured, they could leave you in financial ruin. Whether you are just starting out or have been in the cosmetology industry for many years, get insurance coverage that is tailored to the cosmetology profession to protect your life, your ability to earn income, and your reputation. Not only can cosmetology insurance protect you against lawsuits by paying for your legal fees, but it will also protect your assets by paying for damages arising out of your practice. In New Hampshire, it is not mandatory for cosmetologists to have professional liability insurance. However, because it is cheap and has many advantages, it is always advisable to buy coverage.
As a cosmetologist in New Hampshire, you provide a range of beauty services to your clients. Your clients completely trust your training, skills, and judgment when they pay you for services. But, if your clients feel you made a mistake or your services caused harm to them, then it is possible they could sue you for the actual or perceived damages. Whether you’re held responsible or not you must be able to defend yourself. That’s why it is extremely important for you (as a cosmetologist) to carry liability insurance.
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