Cosmetology Insurance Requirements For Oklahoma 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 Oklahoma?
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
The bottom line is that a properly designed personal insurance policy is crucial for any cosmetologist in Oklahoma. Those who choose to rely on luck, or the general business policy that might cover the place at which the cosmetologist works, are running significant risks by doing so. Although the state does not require its professionals to hold such a policy, it is a matter of simple common sense that getting a cosmetologist policy is the best practice. Whatever cosmetology work you do, the benefits of having a personal insurance policy are great. All such professionals should examine their personal and professional circumstances, then get insured to protect both themselves and their clients.
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.
The field of cosmetology is one that inevitably carries with it certain risks. As such, a suitable insurance policy is absolutely vital. Even so, a number of professionals in Oklahoma continue to rely on good luck, or hope that the employer or place of work will have insurance to cover them; both of these practices can be dangerous. Any business policy is often too general in scope to adequately protect the individual practitioners. It is therefore a considerably better idea to purchase an individual policy, tailored to the particular needs of cosmetologists. After completing 1500 hours, passing the exams, and keeping your license current by renewing annually as Oklahoma requires, you want to protect your investment and your long-term career. All cosmetologists are likely to perform better if they are reassured that they have the backing of a personally designed insurance policy that fits their precise needs and desires. As an example, some treatments have more serious consequences than others if they go wrong. Therefore, professionals who routinely undertake difficult or risky procedures should make sure that their policies include strong protection from claims that might be made by clients in such circumstances. Similarly, emotional distress can be a major cause of liability claims; it is extremely important that insurance provides liability protection that cosmetologists can face.
It is of great importance to realize that not all cosmetology insurance is the same. A professional who buys a sub-standard policy can put himself or herself at considerable financial risk. Given the potential for injury, distress, and damage that inevitably accompanies delicate, sometimes highly intricate cosmetology work, this importance becomes all the greater. Claims for damages in the state can often be very high, especially in cases that involve alleged bodily injury or property damage. The latter may seem an unlikely outcome, but for those who perform on-site services, it needs considering, as malfunctioning equipment may cause visual damage, or even fires, at a client’s property.
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