Cosmetology Insurance Requirements For South 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 South 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
If you are a practicing cosmetology professional in the state of South Dakota, 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 Dakota 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 Dakota, 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.
A total of 2100 hours must be completed prior to receiving your cosmetology license in South Dakota; in addition to this, you must pass the licensing exam upon completing your hours. In the state, like most others, you are not required to purchase a personal cosmetology insurance policy in order to be able to practice. But, having liability insurance is truly the only way to shield yourself from certain liabilities. Working in this field, you deal with clients on a daily basis, using chemicals, harsh dyes, equipment which can burn them, along with other dangerous chemicals. Wouldn’t you rather be insured?Although your employer may have a business license and insurance policy in place, this will only shield you from so much, if anything. If the client falls on the premises, if they are hurt by faulty equipment, or if other injuries ensue, which are not related to the work you do, you may or may not be protected, as the client can sue you, the place of business, or both. But, if your client is hurt or burnt when you are taking care of them specifically, or if you cause some kind of damage to their hair, burn it, or cause other accidents or injuries, this can result in other major liabilities, and this will most likely mean you, the professional cosmetologist, will get sued. However, some clients will go after both employer and employee. No matter what the scenario, you need coverage.
Cosmetology insurance will protect you from such claims. If you injure a client, if you perform a haircut or dye job they are not happy with, or if you do any other services which they aren’t happy with, you are going to be protected with your policy. And, you do not have to worry about losing your license, or paying the heavy fines and penalties that come along with certain lawsuits; you will be protected, and your insurance provider is going to cover the costs of any potential suits against you.
Since there are several mistakes you can make, and since you are dealing with clients that might not always be happy with the work you do, it is best to be protected, even though it is not a requirement in the state where you live. In addition to protecting your license, a personal insurance policy can save you enormously in the event of a liability charge. It doesn’t make sense to risk your career when you can get insured for way less than the cost of the average lawsuit.
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