Cosmetology Insurance Requirements For Utah 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 Utah?
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 Utah, 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 Utah 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 Utah, 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.
No matter the type of insurance you’ll purchase, you’re going to get the most value at the best price no matter if you’re a part-time worker, a student or a professional cosmetologist working in the wellness, fitness, beauty, or health industry. On top of that, depending on the insurance company and policy you consider, you may be covered for up to a few million dollars, giving you the peace of mind you require to continue doing your job as best as you can. As for the price, it’s usually affordable, so no one has to worry about breaking the bank when purchasing a cosmetology insurance policy.
Cosmetologists have to do quite a bit in order to earn their licenses to work in Utah. As a potential cosmetologist, you have to attend a licensed school and complete a minimum of 1600 training hours, or 2500 hours of apprenticeship, in order to qualify for a license. Additionally, you will need to pass the Utah State Board Exam.Upon securing a license, you will then get to work with your clients on a regular basis, in relatively close contact. Even though your primary skill is to provide creative advice and aesthetic support, getting cosmetology insurance is very important to protect yourself if something goes wrong. Every cosmetologist strives to ensure that their clients are happy with their work, but sometimes accidents happen and clients may get injured in the process. In such cases, if you don’t have cosmetology insurance and the client sues you, you’re going to have to pay a lot of money when the judge decides the case in the client’s favor.
If you’re curious as to why you need to get cosmetology liability insurance, one of the reasons is your financial well-being. When it comes to legal claims of injury and damage, they can be quite expensive to settle and if you don’t have liability insurance, then the possible claims will have to be paid with own money. On the other hand, when you have the safety net of an insurance policy, you won’t have to worry about this at all. Everything will be paid by the insurance company while you’ll make sure the same mistake won’t happen again.
Hairdressers may dye several people a day and this means that they expose themselves to a lot of risks. For instance, you may be tired after having a long and hard day at work and forget about the fact that your client has gotten a lot of sun exposure lately and apply a chemical peel. As a result, the client is injured and she sues you for loss of wages, bodily injury, and emotional distress. In this case, having a professional liability insurance protects you, and, again, the insurance company is the one that’s going to pay for the damages done.
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