Cosmetology Insurance Requirements For Tennessee 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 Tennessee?
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 Tennessee, 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 Tennessee 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 Tennessee, 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 cosmetologist is a beauty specialist who is trained, knowledgeable and skilled in treating the skin, hair, and nails. In Tennessee, you must complete 1500 hours and pass the state’s required exams to receive your license. Once licensed, you have to renew every two years and complete 16 hours of continuing education credits between renewals.
Many different beauty services may fall within the skill set of a cosmetologist. These services may include everything from soothing facials and waxing to chemical peels and pedicures. This professional may also consult with clients and offer suggestion regarding the best colors and application of cosmetics, flattering hair styles, and skincare options. Like any other profession that involves providing advice and services, it is important for cosmetologists to carry professional liability insurance in order to protect themselves against claims of professional misconduct or malpractice.
As a cosmetologist in Tennessee, you work so closely and physically with each of your clients, which can be a recipe for a lawsuit. So you are wondering: How? It’s not hard to decipher the potential risks of cosmetology work. There are risks in almost all the services that you provide. Beauty services, such as facials, waxing, and more, bring you up close and personal with your customers, and, therefore, there is a real risk involved with this type of work – risk you cannot afford to ignore.
Having to work in close contact with customers means you can easily cause bodily harm to a client in the event of a mishap or accident. When you add in the fact that cosmetologists usually utilize potentially dangerous tools and equipment, as well as harmful chemicals, the risk of causing bodily injury or property damage, leading to a lawsuit, seems to go up considerably. A mishap can occur at any time on any day. No matter how well you’re trained, you can never predict, nor fully prevent, an accident.
For example, a client may book an appointment with you for a brow wax, but your wax somehow turns out too hot, ending up burning that customer during the session. Without insurance, you may find yourself facing a lawsuit and having to pay for your legal defenses and damages out of your own pocket. This could leave you financially ruined and even destroy your career. If you haven’t secured an appropriate insurance plan, then you’re taking on a very big risk.
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