New York Cosmetology Insurance
Safeguard Your Financial Assets With with NACAMS Top-Rated Cosmetologists Liability Insurance
Live Streaming and Pre-Recorded Classes Covered
Safe and Secure Online Checkout
Occurrence-Form Coverage To Protect You After You Stop Teaching
500+ modalities covered including waxing, body contouring, and more.
How Much Does Cosmetology Insurance Cost in New York?
Policies cost as low as $0.45 per day and can save you 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 one of your appointments or even just on your premises. One of the top reasons specialists choose NACAMS is because we cover over 500 modalities including esthetics, body contouring, and more.
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!
61% of cosmetologists renew annually with NACAMS
Professional Cosmetology Liability Insurance is an Investment Every Beauty Pro Should Make
If you are a practicing cosmetology professional in the state of New York, having the appropriate liability insurance coverage is just as important as being able to consistently book clients. Cosmetology covers a wide range of services pertaining to the treatment of hair, skin, and nails, and one of the unfortunate realities of the cosmetology profession is that accidents can and do happen.
In New York, cosmetology services are offered in various settings, helping to increase client convenience and growth opportunities. With NACAMS, you're covered anywhere you offer your services including spas, beauty salons, and even at home.
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.
Access To Top Rated Member Benefits
Get free member benefits such discounts on rental cards, hotels, printing and shipping.
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.
What are the Insurance Requirements for New York-based Cosmetologists?
Cosmetologists in New York are not required to carry cosmetology insurance aka beauty insurance to shield them from personal liability. Additionally, unless required by an establishment (spas or skincare clinics), or a special licensing requirement (chemical treatments, or medical spa procedures), cosmetologists are not required to hold any certification in order to work as a specialist.
How Do I Become a Cosmetologist in New York?
Each state has different regulations for becoming a cosmetologist, so you should research your state's licensing board requirements. To become an cosmetologists in New York, you are required to complete 1,000 school hours and pass the Secondary Assessment of Teaching Skills Written exam. You must be 17 years of age to begin your certification training. Visit the New York Department of State Division of Licensing Services for more details.
Understanding Cosmetology Insurance In New York
Insurance for cosmetologists in New York typically covers two main types of scenarios: professional liability (a.k.a. “malpractice”) and general liability (a.k.a. “slip and fall”). Professional liability pertains to any grievances or claims brought against you by clients who claim to have suffered injury or damages due to some type of error or negligence on your part. Examples of this could include an infection received from a nail treatment, or chemical burns on the scalp due to an improper technique employed in a hair color treatment gone wrong.
How Much Do Cosmetologists in New York Make?
According to ZipRecruiter.com, on average, licensed cosmetologists in New York make between $21,000 to $82,000 with a median total annual pay of $48,000. This can vary depending on factors like if you work only part-time, which studio you work for, if you offer classes independently and so on.
Compare Cosmetology Insurance
Our cosmetology insurance comparison guide gives you a clear breakdown of your options, so you can make the most informed decision.
| NACAMS | Associated Hair Professionals | Next Beauty Insurance | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Protection Coverage Included? | $$$Add’tl Cost | ||||
| Occurrence Form Coverage | |||||
| Access to Insurance Marketplace | |||||
| Nationwide Portable Coverage | |||||
| 500+ Modalities Covered | |||||
| Price | $179 | $199 | Quote Required | $185 | $96 |
What Our Customers Are Saying
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New York Cosmetology Insurance FAQs
New York does not require by law for beauty professionals in cosmetology to hold liability insurance. However, the state strongly recommends protecting yourself from a liability lawsuit with sufficient coverage.
When it comes to beauty professionals, the importance of liability insurance cannot be overstated. Unfortunately, beauty professionals are more likely than ever to encounter a lawsuit these days. Protecting yourself and your career with cosmetology liability insurance is absolutely necessary to maintain a healthy career and secure finances.
Get insured today to have the satisfaction that comes with complete coverage.
Unlike some other companies that might sneak in prices and fees, we provide open and honest pricing for every policy. You shouldn't have to guess what you're going to pay for cosmetology insurance in New York. That's why we provide entirely transparent costs upfront for every dime you'll spend.
Our plan costs are as follows:
- Student rates start at $60 for one year of coverage.
- Full-time rates begin at $179 for one-year coverage.
- Professional rates are offered at $329 for two full years of coverage.
Each plan includes the same fantastic coverage but centers on a different stage in your career and cosmetology goals. No matter where you are in your professional journey, we have a plan just for you.
Every beauty professional is unique and provides different services that require specific coverage plans. In general, most cosmetologists will need a range of liability coverage to protect themselves from a liability lawsuit completely. That way, they can enjoy the confidence of a total defense system against the cost of exorbitant legal fees, medical bills, etc.
Here's what every New York cosmetologist needs coverage-wise:
- General liability to protect against universal risks, like slips and falls.
- Professional liability coverage to defend against mistakes and malpractice suits.
- Product liability coverage to protect from manufacturing errors, bad reactions, and equipment malfunctions.
- Identity Theft Protection
We include everything listed above to help provide the all-around coverage every cosmetologist in New York needs.
With NACAMS, it's incredibly easy to get cosmetology insurance online in New York. In as little as 5 minutes, you can complete the entire application process and enjoy instant access to your benefits and proof of coverage. Unlike other companies that make you wait to receive your benefits or coverage cards, we give it to you right away.
Our online application process is simple and straightforward. Seriously, in less time than you'll spend in line for coffee, you can make the investment in your career and have comprehensive coverage just like that.