Cosmetology Insurance Requirements For South Carolina 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 South Carolina?
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 South Carolina, 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 South Carolina 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 South Carolina, 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.
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
Mistakes can occur and unexpected events can ruin one’s career in the field of cosmetology; for these reasons, holding a personal South Carolina cosmetology insurance policy is something all professionals in the field should consider. Professional cosmetologists in the state must complete 1500 hours, pass the state board exams and licensing exam, and continue to renew their licenses every other year. Operators must also complete 12 continuing education credits between renewals.
With annual plans for rates as low as $200 with some insurers, or even less, it is not only an affordable way to protect yourself, it is also the easiest way to avoid major expenses when an accident does occur. Plus, the cost of insuring is much less than the long-term cost of potentially losing your license.
When choosing a liability insurance policy, it is important to find one that provides sufficient coverage and protects you from different forms of liability in the workplace.
General Liability Coverage
Your employer probably carries a general policy on employees and their property. However, that coverage may not extend to you. Plus, what if you cause an injury, or burn a client, or what is you use the wrong chemical dye, which causes an adverse reaction? You are liable, not your employer. Further, your own cosmetologist policy should have general liability protection included that will cover you specifically against bodily injury, property damage claims, and those “slip and fall” accidents. Also, just because your employer may have insurance, as a contractor, or even as an employee, you may be sued personally along with the place of business. Having your own cosmetologists insurance in place will help protect from the injuries and unforeseen events that can take place in the salon, or another private premises, where you work.
Professional Liability
If you are uninsured, your personal assets, including your car, personal property, or even your home, can be taken from you. You can easily avoid this, for a very low payment each year, by having sufficient levels of coverage with a great insurance provider. Not only will the right policy shield you from professional liability, but it is also going to cover you if one of those unexpected, unfortunate circumstances should occur.
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