Cosmetology Insurance Requirements For North Dakota 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 Dakota?
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
Aside from malpractice claims, accidents and mishaps, such as trip and falls, or a fire outbreak, may occur – even if you have taken all necessary precautions to prevent them. There is no way you can predict when an accident is going to happen. Beyond that, beauty products such as makeup, hair gels, creams, nail polish removers, hair chemicals and etc., may cause a customer an allergic reaction, leading to a lawsuit. All these events are outside your direct control. Without an appropriate insurance policy, a lawsuit can cost you thousands of dollars, a good reputation, and may even bring your career to a halt.
Cosmetologist insurance provides essential financial protection for cosmetologists by assisting in covering court costs, legal defense costs and damages payable in the event of a legal claim. When a customer sues you for alleged damages, losses, suffering or otherwise, you must deal with the legal claims.
Without insurance coverage, you’ll be forced to pay for your legal fees out of your own pocket. This could wipe out your savings. If you don’t have the money to cover a lawsuit, your assets may be sold to pay for any judgments entered against you. This could ruin you financially and professionally. Cosmetology insurance provides the needed protection against claims of personal injury or property damage caused by services or products supplied through you. It is designed to help you protect your career by ensuring that if something happens, it won’t likely mean the end of your good fortunes or 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.
Cosmetology is an excellent choice of career to pursue in North Dakota. You’ll need to complete 1800 hours, pass the state’s board exams and licensing exam, and continue to renew your license annually to work as a professional cosmetologist in the state.In good times or bad, people always want to look and feel their best. This means you’ll never lack business. As a cosmetologist, you focus on providing quality makeup, skincare, and beauty products, as well as beauty services, such as hair extensions, coloring and straightening.Even though there are many benefits to the beauty services you provide, you are also faced with some specific risks. Cosmetology is a hands-on profession that involves implementing a variety of beauty treatments on clients’ bodies. Cosmetology professionals deal with different types of customers in various states of physical well-being and have to work in close contact with clients, which can make a recipe for legal claims. That’s where cosmetology insurance comes in.
Whether you work at a beauty shop, from home, or travel to people’s homes, having insurance coverage is essential. You might tend to think that the risk involved in your job is minimal, but the number of claims keeps going up, and many cosmetologists have found themselves in court facing huge claims for damages. Cosmetology insurance provides valuable protection against legal claims. These claims, for example, may allege that beauty services rendered were substandard, not within profession’s scope of practice, or were performed incorrectly, thus causing an injury or financial loss.
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