A-Rated Comprehensive Cosmetology Insurance
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 500+ beauty and wellness services. No membership fee, no quote process. Get fully covered for just $0.49/Day, in under five minutes.
Occurrence-form for complete protection
Dual-practitioners welcome with 500+ modalities covered
No quotes! Get insured today in 5 minutes or less.
$500+ in Exclusive Member Benefits
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How Much Does Cosmetology Insurance Cost?
Cosmetologists can secure insurance for just $0.49/day, offering comprehensive coverage of $3 million annually in both general and professional liability. Eligibility is based on the exclusion of specific methods outlined on our site.
FULL time Pro
1 Year
$179/YR
Full time Pro
2 Year (save $29)
$329/2YR
Full TIme Student
1 Year
$60/YR
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 Liability Insurance Highlights
Professional & general liability insurance is an investment every cosmetologist should make.
NACAMS represents thousands of cosmetologists, providing top rated cosmetologist liability insurance and educational resources. With 25 years of trust in the health, wellness, and beauty industry, NACAMS licensed professionals are the best protected cosmetologists in the industry.
Insurance Policy Details
Compare Cosmetology Insurance
Our cosmetology insurance comparison guide gives you a clear breakdown of your options, so you can make the most informed decision.
| NACAMS | Associated Hair Professionals | Next Beauty Insurance | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Protection Coverage Included? | $$$Add’tl Cost | ||||
| Occurrence Form Coverage | |||||
| Access to Insurance Marketplace | |||||
| Nationwide Portable Coverage | |||||
| 500+ Modalities Covered | |||||
| Price | $179 | $199 | Quote Required | $185 | $96 |
How to Compare Cosmetology Insurance Policies?
When comparing cosmetology insurance policies, consider the following factors to ensure you're getting the coverage that best meets your needs:
- Coverage Limits: Review the limits of liability coverage provided by each policy, including both per occurrence and aggregate limits, to ensure they adequately protect you in case of claims.
- Covered Services: Check which services are covered under each policy to ensure they align with the treatments you offer in your salon or practice.
- Additional Coverages: Look for any additional coverages offered by the policy, such as personal injury protection, property damage coverage, or coverage for tools and supplies.
- Exclusions: Pay attention to any exclusions listed in the policy, as these may limit coverage for certain services or situations.
- Premium Costs: Compare the premium costs of each policy to ensure you're getting a competitive rate for the coverage provided.
- Deductibles: Consider the deductible amounts for each policy and how they may affect your out-of-pocket expenses in the event of a claim.
- Claims Process: Research the claims process for each insurer to understand how easy or difficult it may be to file a claim and receive reimbursement.
- Customer Reviews: Read reviews from other cosmetologists who have purchased insurance from each provider to gauge their satisfaction with the coverage and service.
All Modalities Covered by NACAMS
The modalities listed below are covered only to the extent they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.
Beauty Disciplines
Acrylic
Acutonics
Airbrush designs
Aroma-Reflex Therapy
Bach Flower Remedies - Topicals
Balneotherapy
Bamboo Fusion
Bamboossage
Barbers
Belavia Facelift Massage
Blow Outs
Body scrub
Body Wraps
Cellulite treatments (non-laser)
Chemical peel (no lasers)
Chemical wave
Children's Services (e.g hair cuts)
Cold Light Series 6 Facials
Color Consultations
Color Light Therapy
Conditioning Treatments
Cosmetic massage
Cryotherapy
Crystal Therapy
Custom wrap
Dermaplaning
Design, Cut and Color
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Endermologie
Essential Oils Massage
Eyebrow Lamination
Eyebrow shaping
Eyebrow tinting
Eyelash Extensions
Eyelash Lift
Face painting
Facial Massage
Facials
Fade Cut
Fade Designs
False nails
Fibroblasting
Flash or Balayage highlights
Flower Essence Consultations
Foot scrubs
Gel
Gems
Grooming
Gua Sha
Henna
Herbal wraps
Highlights
High-Intensity Electromagnetic Machines
Hot Towels
Ionic Footbath
Lava Shell Technique
LED Light Therapy
LHE Phototherapy (no lasers)
Lymphatic Drainage Massage
Lypossage
Magnet Therapy
Make-up Artists
Manicures
Men's Grooming
Microcurrent services
Microdermabrasion
Microshading
Moxibustion
Ombre Brows
Oxygen Infusion Facial
Palm Rolling
Paraffin pedicures
Permanent hairstyle
Radio Frequency Skin Tightening
Razor Cuts
Red Light Therapy
Saline Microblading Removal
Salt scrub
Salt therapy
Sauna
Shampooing
Shaving
Skin peels
Sound Healing
Spray Tanning/Sunless Tanning
Stand Up Paddleboard (SUP) Yoga
Stencil Design
Stone Therapy
Straightening
Sub-zero Cryotherapy
Sugar Scrub
Sunless tanning
Thermal styling
Topicals
Varnish
Venus freeze
Vitamin C Peels
Waves
Waxing
Weave / Hair Extensions
Wet styling
Wig stylist
Youth Nails
Why Do Cosmetologists Need Professional Liability Insurance?
Cosmetologists need liability insurance for various reasons. Firstly, it provides essential career and financial protection, safeguarding against potential lawsuits or claims that could otherwise jeopardize their livelihood. Additionally, having insurance enhances credibility and reputation, reassuring clients of their professionalism and commitment to quality service. Ultimately, liability insurance offers peace of mind, allowing cosmetologists to focus on their craft with confidence, knowing they're covered in case of unforeseen circumstances.
As a working cosmetologist, you get up close and personal with your clients on a regular basis. Whether your primary skill is providing aesthetic support or creative skills, there is a reason you need cosmetology insurance. You strive to make your clients look and feel their best. Doing so is not only rewarding, but it also means repeat customers and positive word of mouth marketing about your skills as a cosmetologist. However, no matter how much effort you put into pampering and serving your clients so well, it is important to remember the basic black and white facts of business strategy and even the law when you become a professional cosmetologist.
In other words, you may be the best cosmetologist in your whole region, but if you do not have certain fundamental pieces in place for your career and your business, then you are building your business without a stable foundation. A strong foundation for a successful cosmetologist should include liability coverage. In fact, obtaining cosmetologist liability insurance may also be required by law.
The main reason insurance is so crucial is because you really never know when an accident might take place that results in a legal claim against you from one of your clients or another person who somehow suffered harm in association with your business. You can think of cosmetologist insurance as your safety net, there to catch you in case any such legal claim ever becomes a reality.
If you are wondering why you might need the safety net of cosmetology liability insurance, the reason comes in the form of dollars and cents. Legal claims of damage or injury can be quite expensive to settle, and without cosmetologist liability insurance, you will need to reach into your own pockets to pay out possible claims.
There are three main areas of accident or injury that your insurance program should be designed to cover. The first is called general liability, and it refers to situations where a client or other person slips, trips, falls or has some other kind of accident on the property of your cosmetology business.
For example, if there is a small puddle of water near the washing station, and your client slips on it and ends up hitting her head or breaking her wrist, then you may find yourself facing a legal claim to pay for these damages. In scenarios such as this one, the general liability portion of your cosmetologist liability insurance would be called upon to cover the legal expenses.
The other two types of accident or injury that your cosmetology insurance should be designed to cover pertain to damage caused by either you or some kind of product used during the cosmetology appointment. These aspects of your coverage are referred to as malpractice and product liability.
As an example, if you accidentally burned someone with a hot tool during her appointment, she may make a claim of malpractice, which means she believes the burn occurred due to a lack of skill or competence on your part as the cosmetologist. This is why cosmetologist insurance exists in the first place. Much like automobile insurance, it is there to cover you when an accident—or an unexpected claim—takes place.
Professional Liability Insurance for Cosmetologists
Top Choice
1 Year Rate
$179
Save $29
2 Year Rate
$329
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We are proud that NACAMS is rated a 4.7/5 (Excellent) on Trustpilot. Read some of our reviews below!
Common Cosmetology Insurance Claims
Common cosmetology claims can include allegations of personal injury, such as allergic reactions to products or treatments, burns from chemical procedures, or slip-and-fall accidents in the salon. Other common claims include dissatisfaction with services rendered, such as haircuts, color treatments, or other beauty services, leading to claims of negligence or breach of contract.
Why Should You Choose NACAMS Cosmetology Liability Insurance?
Choose NACAMS for comprehensive coverage, tailored for cosmetologists, with additional benefits, a trusted reputation, affordable pricing, and a hassle-free application process.
Comprehensive Coverage
Our insurance provides robust protection, including $2 million in general and professional liability coverage, ensuring you're safeguarded against a wide range of risks.
Tailored for Cosmetologists
We understand the unique needs of cosmetology professionals and have crafted our insurance specifically to meet those needs, providing coverage for a diverse range of services and treatments.
Additional Benefits
In addition to liability coverage, our insurance offers valuable perks such as personal injury and advertising coverage, identity theft protection, and options for adding coverage for tools and supplies.
Trusted Reputation
NACAMS has earned a reputation for being the best in the industry, with a track record of providing reliable insurance solutions and exceptional customer service to cosmetologists nationwide
Affordable Pricing
We offer competitive rates starting at just $0.49/day, making our insurance accessible to cosmetologists at every stage of their career.
Easy Application
Applying for NACAMS cosmetology liability insurance is quick and easy, with our online application process taking just minutes to complete.
Cosmetologist State Requirements
To obtain a license or certification as a cosmetologist, one requirement is clear: you must undergo cosmetology education. However, the nature of this education varies depending on your state of residence. While many states mandate attendance at an accredited beauty school, some permit apprenticeship programs as an alternative. Alongside training criteria, it's essential to familiarize yourself with state-specific regulations concerning continuing education units (CEUs), license renewal schedules and fees, license reciprocity or transfer procedures, and more.
Find out if there are any special guidelines that you need to be aware of as you build your career.
Cosmetologist Insurance FAQs
Do you have questions about cosmetology liability insurance in general? Or maybe questions about the coverages, details, and benefits offered by NACAMS cosmetology liability insurance? We’re here to help. Take a look at some of the most frequently asked questions.
This all depends on the program you choose to go with. If you offer several different services, like most cosmetologists do, some insurance programs will charge you additional fees to have these covered. Also, be on the lookout for membership fees or even a premium for the state in which you reside - some programs will add these costs in as well. Our program keeps it simple with one low annual rate for members.
With our cosmetology liability insurance program, members enjoy a host of benefits and coverage for a host of different services and techniques, all for the low price of $179 annually. Our benefits program alone is worth hundreds of dollars making the robust coverage options a huge cherry on top of an affordable, accessible, and effective insurance program for cosmetologists.
Every state/local jurisdiction has its own unique requirements for cosmetology licensing. However, most states do not make it a requirement to have cosmetology insurance before you are able to get licensed. But getting licensed and then jumping right into offering services without insurance is a very risky move for both your personal financial situation, as well as your ability to keep offering services to paying customers. Just one claim against you - a slip on your welcome rug, a hair dye gone wrong, a bad allergic reaction, etc., etc. - can result in a demand for you to pay the injured parties’ expenses. Sometimes this requires legal defense, which can be very costly.
For only $179 a year, our professionals completely avoid the worry of providing services without coverage, and get to focus instead on providing great services and growing their business.Simply put, you really need a cosmetologist insurance program that was specifically designed for cosmetologists. There are some programs out there offering a one size fits all for insurance, but unfortunately not understanding the nuances of the beauty industry can leave a program woefully lacking in its effectiveness. As a hard-working professional, your cosmetologist insurance coverage should provide you with three key benefits:
Cosmetologist insurance should cover you adequately in the event of a loss event.
Your cosmetologist insurance should provide good limits for the most common liabilities in this business - professional and general liability - but also should provide some protection against other liabilities such as product liability.
Cosmetologist insurance should be easily accessible, especially when you need to use your coverage.
An unforeseen event, by definition, is not one you plan for. No cosmetologist begins a session expecting an injury to the client to occur, and yet, professionals every day face events like this. Without insurance, you can be left shouldering the entirety of the financial burden. But what good is great insurance if it is hard to use? Whenever you need us, our program administrators are ready to help.
Cosmetologist insurance should provide a return for the investment you make.
We know the business of cosmetology is tough. Helping clients look and feel their best is some of the best advertising for your unique services. Protecting that, cosmetology insurance provides you and your business with a buffer from an unfortunate event costing you big dollars out of pocket. Going beyond that, the best cosmetology insurance program should provide a host of benefits and additional protections all included with their plan. This helps you maximize the investment dollars you have made so you can put more into growing your client base and giving great sessions.
Our cosmetology insurance program is an individual insurance plan. We cover individual, duly-licensed cosmetology professionals and also students enrolled in an accredited cosmetology school. With an individual cosmetology insurance plan, all of the plan’s limits apply to you alone. This is especially advantageous when you actually have to use the policy.
Some programs have shared limits, meaning that others’ claims will decrease the total amount available to the other members of the group when they need to file their own claims. This is obviously less than ideal, so the $2 million per occurrence and $3 million annual aggregate included for general and professional liability claims with our cosmetology liability insurance plan are 100% yours and yours alone.
For only $60 for a year of coverage, our students only plan is a really affordable way to get the same level of coverage as that which we offer to professional cosmetologists. In school, you will be practicing the same techniques you will be employing in your practice and accidents can unfortunately still occur that could leave you liable for paying claim expenses.
With our plan, for just $60 you get a full year of carefree coverage plus a load of awesome benefits. Some students covered under our student plan have chosen to wait until they are almost graduated from school before they get insured through NACAMS. It's a smart move as then most of your first year on the job while you are still learning is covered under an exceptional insurance program for only $60. Our hairstylist liability insurance policy will cover you throughout your growing career.
Most of us will do a little research before making a purchase, especially online. The same should go for choosing the best cosmetology insurance program. Always check out the program’s carriers. Insurance rating standbys like A.M. Best will rate good companies with an “A-rating” or better. We are proud to be underwritten by carriers with strong A-Excellent ratings by A.M. Best.
Another good resource is online reviews. We choose to use an independent program called TrustPilot to get our reviews. This helps you see the real product from real members’ experiences. We are really proud verified members independently rated us as 4.7 out of 5.0 on TrustPilot’s platform.Everybody likes free! Our truly stout insurance program comes with a host of additional benefits so members get the most out of their decision to partner with us. Included at no extra charge are extra protections like a identity protection plan. Extra, extra benefits also include a free professional website to grow your online presence, great deals and discounts from our partners, free business resources, access to curated content, and more.
That is affirmative. We cannot cover services you are not legally allowed to perform. You will need to take the appropriate steps in your state and within your local jurisdiction to obtain a license before you will be able to secure cosmetology liability insurance.
Absolutely! A really convenient aspect of our cosmetology professional liability insurance is called portability. This means that the cosmetology or hair salon insurance coverage follows you no matter where you go. Within all 50 U.S. states, you can move jobs, move cities, move states, and nothing changes with your coverage. Do note, however, you may have to jump through a few hoops with your new state board in order to transfer your license. Some states have higher education requirements than others so this may entail you taking a few extra classes or even retaking your tests in a new format.
Best course is to start planning early. When you know you are transferring to a new state, make sure you understand everything required to get licensed in the new location. Remember, even with full portability of coverage, we cannot cover any services that you are not legally allowed to perform.
Trade shows are a great way to network, see and test new products and services, and for you to showcase your unique talents. If you are providing services at a tradeshow, even if it is only as a demo, you should always secure insurance before the event. Some events will even require that you provide proof of insurance in order to be a presenter. Good thing you can secure coverage in minutes with instant proof of insurance with NACAMS cosmetology insurance!
Cosmetologists have to be masters of many different styles affecting a client's overall beauty plan. Being able to provide several different services keeps you competitive but some insurance programs will limit covered services to a select few. We went a different route so you can be free to offer just about any combination of different beauty and wellness services you deem necessary and still enjoy great coverage from NACAMS. We cover literally hundreds of different health and beauty services all under our plan, for one low rate. Looking for hairstylist liability insurance? Hairstylist liability insurance is covered under the same policy sold here.
Cosmetology insurance is a type of business insurance specifically designed to protect cosmetologists, beauticians, and other personal care professionals from the unique risks associated with their work. It offers coverage for liability claims, property damage, and other potential issues that may arise while performing services such as hair styling, makeup application, skin care, nail treatments, and more.