Montana Cosmetology Insurance Requirements
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 450+ beauty and wellness services. No membership fee, no quote process. Get fully covered for less than 49 cents per day, in under five minutes.
Occurrence-form for complete protection
Dual-practitioners welcome with 450+ modalities covered
No quotes! Get insured today in 5 minutes or less.
$500+ in Exclusive Member Benefits
Montana Cosmetology Insurance Cost
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.
full time
1 Year (12 mo)
$179
professional
2 Years (24 mos)
$329
Student
1 Year (12 mo)
$60
Cosmetologists provide a wide variety of beauty treatments, including pedicures and applications of artificial nails, cosmetics, hair styling, and coloring and highlighting of hair. Everything you’ve learned in school, along with all of your professional experience pays off while you go about making your clients look their very best. While there are many benefits to the services you provide for both you and your client, you do encounter a certain number of risks when giving beauty treatments to your clients.
While you may generate a good income and have a wealth of clients you enjoy working with and working on, as a cosmetologist, you’ll also find that you run a certain set of risks. A common risk is bodily injury that may occur in the course of your work, especially because you work so closely to your client and his or her skin. Since you rely on hazardous chemicals, electrical tools and equipment to provide beauty treatments, you are faced with a real risk of accidental bodily injury.
Whether you work in a salon, operate from home, or travel to your clients, there are risks when dealing with the treatments you provide. Beauty treatments include dyes, chemicals, and hot equipment at times, which means there’s a chance for injury. No matter how well trained and careful you may be, there’s always room for human error. Accidents may result from the beauty treatment procedures, chemical products, or tools used.
Montana Cosmetology Insurance Highlights
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
Professional cosmetologists need to consult with an insurance company that understands the specific needs facing someone in the cosmetology industry. While most spas and salons have their own business insurance policies in place, you can still be sued personally, and you must therefore have your own insurance coverage in place.
Having a great cosmetology insurance policy is the best way to practice good business sense and protect yourself and your financial future from various claims that may be filed against you by clients or third parties alleging that your services caused bodily harm or property damage. A good insurance policy will help you take care of legal fees, judgments, and other fees you may incur while being away from work and engaged in a lawsuit. Be sure you understand exactly what your insurance covers, so you can have real peace of mind and solid protection against potentially devastating liability exposures. By investing in insurance, you’ll be making a smart move for you, your career, and your clients.
NACAMS Professional Policy
for Cosmetologists
These rates may differ based on your primary modality
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