Cosmetology Insurance Requirements For Wisconsin 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 Wisconsin?
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
Even though the state of Wisconsin doesn’t require liability insurance for you to work as a cosmetologist, it is still a wise idea to protect yourself. This is because you cannot always control circumstances or predict the actions of every one of your customers. Liability insurance for cosmetologists safeguards against both known and unknown risks. It can protect you and your income, savings, assets, reputation, and your ability to continue practicing hands-on beauty therapies from claims involving property damage or bodily injury by clients or third parties. The cosmetology insurance will shield you from the huge expense that is associated with costs of litigation, court costs, court settlement awards, and judgments.
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.
Working as a cosmetologist in Wisconsin can be an exciting and rewarding experience. Beauty treatments is one of those recession-proof commodities that people love, so can always find work. But you do need to consider how to protect yourself and your professional practice if something goes wrong.
Though you might not have realized it, cosmetology involves risk. There are real risks that are involved in the process of giving beauty treatments. To minimize these risks, it is essential that you invest in a good Wisconsin cosmetology insurance policy.
Wisconsin Cosmetology License Requirements
To obtain a license in cosmetology in the state of Wisconsin, individuals must complete at least 1800 hours of training in an accredited program or 4000 hours apprenticeship. Those who wish to become licensed estheticians and nail technicians must complete at least 450 hours and 300 hours of training, respectively. After finishing training, aspiring cosmetologists must pass a licensing exam administered by the state’s Board of Cosmetology. The state of WI may accept full-time work experience in lieu of those training hours. Licensed cosmetologists in other states who wish to practice in Wisconsin may apply for license transfer (reciprocity) with the board if they have completed the requisite 4000 hours of work experience.
Like in other states, cosmetologists, estheticians and nail technologists in Wisconsin are not required to have liability insurance. But since it is so cheap and has so many advantages, buying coverage is always recommended.
The main reason Wisconsin cosmetologist insurance is so crucial is because you really never know when an accident might happen that could result in a claim against you from one of your customers or a third party who somehow suffers harm or financial loss in association with your practice. You can think of cosmetology insurance as your much-needed safety net, always there to catch you in the unlikely event that something happens to your and your practice. Whether you’re a student, an employee of a local beauty shop or spa or you work as an independent contractor, cosmetology insurance is essential.
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