Cosmetology Insurance Requirements For New Mexico 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 Mexico?
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 three main types of insurance that most companies will provide for cosmetologists. The first is liability insurance. This insurance was designed to handle situations where a client (or anyone else) slips and falls and gets hurt. It also works for any other type of accident that may occur on the property where you are employed.
The second type of cosmetology insurance was created to insure you personally if you accidentally were to burn someone with a blow dryer, a curling iron, or even chemicals. If someone were to file a malpractice claim against you, this insurance would make sure that you don’t ruin your name before you get one.
The third type is product liability, in the event that a chemical or a dye you use causes an allergic reaction, for example. Everyone makes mistakes in the beginning, but they don’t have to cost you your license. Get insured.
If you have been considering taking your career to the next level – you are going to need to make sure you are covered under all circumstances BEFORE an accident were to happen. Keep this in mind as you consider which would be more expensive, and which would be easier to recover from and start again: An accident WITH cosmetology insurance, or without?
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.
With over 600,000 cosmetologists licensed all over America, it’s good to know how you can help distinguish yourself from the competition and to know the best ways to protect your license so you can stay in business where others may fail. New Mexico requires you to have 1600 hours and complete their state’s cosmetology board exams and licensing exam in order to practice in the state. Insurance is a way to protect all of that hard work.The truth is, you may just be the very best cosmetologist in your region, but without a good head on your shoulders (so you realize how important cosmetologist liability insurance really is), it is hard to place the fundamental pieces where they need to be for a successful career, as well as for your long-term professional reputation.
The main reason to get insured is because insurance is crucial for those “what just happened” moments. Those kind of moments catch us by surprise, and we are usually never prepared for them. DON’T make that mistake when it comes to your career. If you work as a professional cosmetologist, you are going to need to cover your assets – whether the spa or salon you work for carries separate insurance or not.
If you have ever wondered to yourself why you need insurance, think of it as a safety net for what you do. Day in and day out, you work with several different clients, for several different reasons. This is your career. You probably spend more time at work than you do at home. Just how many hours a day does that leave for disaster to strike? The answer is TOO many – enough to want to be insured.
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