Cosmetology Insurance Requirements For Vermont 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 Vermont?
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
Cosmetologist insurance protects you and your practice from third-party claims related to your professional services. In the event that something should go awry with your work – due to an act of negligence or a professional mistake that results in a client filing a liability claim – your cosmetology insurance policy will take care of your legal defenses, court costs, expense of out of court, settlements, or any money judgment awarded against you.
If you work as an independent contractor, carrying liability insurance will provide proof to both clients and potential employers of your professionalism and dedication to the service that you offer. Many consumers will want to ensure that the professional to whom they entrust their beauty needs takes such complete care in every aspect of their practice. Cosmetology businesses that hire independent contractors, such as hair stylists, manicurists, and massage therapists, often require these contractors to carry liability insurance. No salon owner will allow you to rent space in their premises if you don’t have insurance. So carrying a cosmetology insurance policy will not only protect your profession, but also boost your chances of achieving success.
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.
As a professional cosmetology practitioner in Vermont, it is important to invest in liability insurance to protect you and your practice. A good Vermont cosmetology insurance policy will adequately protect you from some, if not all, of the most commonly filed claims. These claims usually come from clients or third parties alleging that your service caused personal injury or bodily harm or even property damage, and can add a tremendous amount of financial strain and emotional stress to your life, preventing you from conducting your practice effectively.
Vermont License Requirements for Cosmetologists
Before you can apply for cosmetology insurance in Vermont, you will need to be a licensed cosmetologist in the state. Individuals who wish to become licensed cosmetologists in Vermont must complete at least 1500 hours of training. Those who wish to become estheticians and nail technicians must complete a minimum of 600 hours and 400 hours of training, respectively. After finishing the training, candidates must pass a licensing exam issued by the state’s Board of Cosmetology. Vermont also offers licensure by endorsement, and you can apply to transfer your license from your home state to VT.
As a cosmetologist, esthetician, nail technician, or manicurist, you get up close and personal with your customers on a regular basis while administering beauty treatments. You also utilize chemicals, beauty products, high-heat tools, and physical techniques that are potentially hazardous. In addition, you may perform certain procedures and treatments that are inherently risky. To mitigate these risks, you need to purchase insurance.
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