Cosmetology Insurance Requirements For Rhode Island 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 Rhode Island?
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 Rhode Island, 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 Rhode Island 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 Rhode Island, 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.
The last thing you’d like to think of as a professional cosmetologist is obtaining insurance coverage. Regardless of whether you are self-employed individual or you are employed in a salon or spa, it is important to have an insurance policy that will cover for any unforeseen accident as you attend your client. There are a number of reasons why you need to have a personalized insurance policy. As an esthetician or cosmetologist, accidents happen inevitably. One of the reasons why you need an insurance policy tailored to cosmetologists is to help you with all the financial burdens that can result if an accident happens and the client decides to seek compensation in court. No matter what services you are offering, clients trust your skills, training, and professional judgment. Legal claims of damages can be expensive to handle. Most of the time, during the process, you will be out of job and this will mean additional loses. In addition, your professional reputation may be destroyed, since your regular customers are likely to discover why you’ve been unavailable for appointments. In sum, this can mean huge losses, and the best and most trusted way of avoiding such unforeseen losses is to obtain a personal cosmetologist insurance coverage.
There are two main areas of damages that cosmetologist insurance should cover. The first area is general liability. This is the type of insurance that covers damages that may result following a situation where the client slips, falls, or injures him or herself on your business property. For example, if there is a small puddle of water on the floor and a client slips on it, breaking his or her wrist in the process, then the client may decide to sue and seek legal compensation. In such a situation, the general liability portion of your insurance cover will be used to settle such expenses.
The second and third types of insurance are product liability or professional liability. Product liability is used to cover damages that may result from product used. For example, you may burn a client accidentally using a hair treatment product. However, if you make a mistake during a procedure, the client may go ahead and sue you for compensation since s/he may argue that the accident occurred due to your lack of sufficient skills or competence, which usually falls under the professional liability portion of your insurance.
For all services pertaining to cosmetologist insurance policies, please contact an insurance company for this and much more. Do not wait until the accident occurs to obtain an insurance policy. Plan ahead and protect your reputation as a professional cosmetologist.
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