Cosmetology Insurance Requirements For Ohio 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 Ohio?
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
If you are a practicing cosmetology professional in the state of Alabama, 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. The topic of insurance for cosmetologists in Alabama is not always fun to discuss, but it is an absolute necessity in order to protect your livelihood from various lawsuits that may be brought against you by disgruntled clients.
In Alabama, 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.
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.
Anyone running a business in the service industry needs insurance. Services offered in this industry put the providers at risk for litigation when their customers and clients suffer injuries due to accidents, whether these occurred due to negligence or pure chance. If you are in the cosmetology business, you need insurance to protect you financially from situations like these. Fortunately, there are individual policies tailored for professionals in the cosmetology industry that can give you the coverage you need. You’ve done the work of 1500 hours, passing the state’s exams, and keeping your license renewed to work in Ohio as a cosmetologist. Now is the time to insure that effort.
This type of insurance is an individual insurance policy that a cosmetologist or anyone in the cosmetology business takes out to protect himself or herself from the dangers of frivolous lawsuits. Commonly known as malpractice insurance, this type of policy is also taken out to cover legal action stemming from professional mistakes and failure to provide services in the way that clients were expecting from them. Any incident that results to harm or damage to property can be the basis of a lawsuit, including:
–rashes and other forms of skin irritation after the application of creams and lotions –side effects of teas served to clients –burns due to defective tanning beds or negligent staff –unusual bruising after improperly applied massage techniques–slips and falls resulting to bruising or bone injuries–etc.
If a client comes to court claiming negligence that caused injury or harm, the mere accusation can damage reputations and long-term business aspirations, as well. Insurance can help pay for medical expenses, protecting you from the dangers of digging into your savings. Even if the policy is deemed not enough to cover the amount claimed, the insurance company can step in and assist the policy holder when s/he is sued. Many insurance companies offer legal assistance to policy holders and may extend additional coverage to pay for defense fees.
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