Cosmetology Insurance Requirements For West Virginia 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 West Virginia?
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
As a cosmetologist operating in West Virginia, you perform beauty therapies that help your clients to achieve their best look. While you would never do anything to intentionally cause property damage or bodily harm to your clients, unforeseen problems can happen. Imagine that a skin care product, such as oil or cream, you use on a customer causes an allergic reaction that needs medical attention. Or your hair dryer malfunctions, causing your client to sustain burns. These things are outside your control and a good cosmetology insurance policy can be a low-cost safety net.
Litigation can quickly and easily reach hundreds of thousands of dollars for the cost of legal fees, court costs, court ordered damages and the cost of settlements. Without the right coverage, you could lose your savings, assets, and even future earnings. Don’t take the risk. Get cosmetology insurance today to protect your livelihood.
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.
If you are in the cosmetology, esthetics, or nail technology industry in West Virginia, then you should consider purchasing cosmetologist insurance. As it is with any other profession that involves giving “hands-on” therapies, being a cosmetologist is inherently risky.
You may tend to think that your cosmetology practice is low risk and compared to some other professions, it is. But, while your risks don’t seem that great, situations can arise that are outside of your control and you need to adequately protect yourself and your career against these possibilities.
Sometimes self-employed cosmetologists think twice about paying for insurance but in the event if a lawsuit, the cost of insurance premiums would probably be a small fraction of the amount you may have to pay for legal defenses and any monetary judgment that is entered against you. Whether you’re a student, an independent contractor or an employee of a beauty shop, West Virginia cosmetology insurance is essential.
West Virginia Cosmetology License Requirements
In order to gain a license to practice as a cosmetologist in the state of West Virginia, individuals must complete at least 1800 hours of training. Those who want to become estheticians and nail technicians must complete 600 hours and 400 hours of training, respectively. After completing the requisite training, students must pass a licensing exam issued by the Board of Cosmetology. The board also accepts work experience in lieu of part of the requisite training and allows licensed cosmetologists from other states to transfer to West Virginia (license reciprocity).
Like in many other states, cosmetologists in West Virginia are not required to possess liability insurance. However, it is recommended that qualified cosmetologists, estheticians and nail technicians obtain liability insurance to protect themselves and their professions.
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