Esthetician Insurance
Excellent-rated esthetician liability insurance that covers beauty and wellness professionals for more than 350+ 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
Mobile Coverage for Wherever You Practice
Easy monthly payment options starting at $16.41
$500+ in Exclusive Member Benefits
Three Esthetician Insurance Options
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 esthetician insurance policy.
full time
1 Year (12 mo)
$179
professional
2 Years (24 mos)
$297.95
Student
1 Year (12 mo)
$55
Esthetician Insurance Highlights
While you may not have considered it, professional insurance is an investment every esthetician should make.
When we talk about the close and physical work that estheticians perform on their clients, we are talking about all those services that are on your menu and available to clients. Services such as waxing and extraction facials bring you up close and personal with your clients, and there is an element of risk involved with this type of work.
NACAMS Professional Policy
for Estheticians
FREE
Beauty Magazine Subscription
FREE
Personal Website to Promote Your Practice
FREE
PBA E-Membership
EXCLUSIVE
Membership Discounts
Stay Protected with an Occurrence-form Policy
Occurrence Form is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect. Other providers sell Claims-made policies where any claim filed after the policy expires will not be covered. No matter whom you choose, definitely make sure your provider is "occurrence form."
What Is Estheticians Liability Insurance?
Esthetician liability insurance is a safety net that protects you from the cost of a liability lawsuit or Insurance claim against you. Your policy can help pick up the bill if a client is injured or sustains harm while under your care. Naturally, there are several different types of coverage and claims covered by your policy.
A liability lawsuit could cost a skincare professional hundreds of thousands of dollars or more without liability coverage. Think of liability insurance like a financial seat belt. You always need to wear one in case of an accident, even if you're a safe driver. Esthetician liability insurance helps protect you from financial devastation when something goes wrong.
Why Do You Need Esthetician Insurance
While every effort is made to practice safety, accidents can still happen. It is imperative that your esthetician liability insurance provides the two most important kinds of coverage: professional and general liability.
When you add in the fact that estheticians are often working with potentially dangerous products and tools, the risk of a client suffering some kind of harm seems to go up. For example, if a client has booked an appointment with you for a brow wax, but the heat on your wax somehow got turned up too high, you might end up burning that client during the session. Remember: Even the most careful and professional esthetician is not immune to accidents or equipment malfunctions now and again.
In the above example, if the client who was burned during the brow wax decided to sue you for the damages she suffered, then you would want liability insurance on your side. If you did not possess insurance, then you would have to bear the financial burden of the legal process and possible settlement cost.
With esthetician liability insurance, however, the high cost associated with claims does not come out of your own pocket. An esthetician policy is designed specifically to provide the necessary financial support and coverage in incidents such as the one described above.
Many different services may fall within the skill set of a successful professional esthetician. These services might include everything from waxing and soothing facials to chemical peels and microdermabrasion. In this industry, where you work so closely and physically with each client, it is important to have solid esthetician liability insurance on your side. Securing insurance means you will have malpractice liability coverage, which is essential when involved with risk.
In fact, a primary form of insurance that an Esthetician policy includes is general liability insurance. This type of insurance, also known as “slip and fall” insurance, is the kind that almost every business wants and needs. If someone slips on a small spill and suffers an injury,s for instance, a lawsuit can happen. This type of accident can happen anytime, anywhere, and any business that allows a customer on the property is a candidate for such a claim.
Sometimes things happen that are out of your control. Items get stolen, a client has an allergic reaction to a product, or your professional equipment is damaged. This is why NACAMS includes Product Coverage, Rental Damage Insurance, and Stolen Equipment Insurance with our General and Professional Liability Coverage. These can help you out in case one of these unexpected occurrences happen.
What Does Esthetician Insurance Cost?
You can pay too much for too little coverage with many other insurance providers. At NACAMS, we seek to provide the best coverage at affordable rates. We provide smartly-set coverage limits, additional coverages, and impeccable service to provide truly all-encompassing policies. Plans start as low as $179 for 12 months of coverage. On the other hand, if you like to plan ahead, you can purchase two years of coverage for just $297.95.
Professional Liability Insurance for Estheticians
1 Year Rate
$179
2 Year Rate
$279.95
SAVE $78.05
NACAMS Insurance Reviews
What is the Best Liability Insurance for Estheticians?
Associated Hair Professionals |
Alternative Balance |
Health and Beauty Association (NAMT/ former IMA) |
||||||
|
Professional & General Liability Insurance |
✓ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
✓ |
$1 Million Per Occurrence
$3 Million individual aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
| Occurrence-Form Coverage | ✓ | Yes | ✘ | No | ✓ | Yes | ✓ | Yes |
|
Product Liability |
✓ |
$2 Million/ occurrence
|
✓ |
$2 Million/ occurrence
|
✘ |
$1 Million
|
✓ | $2 Million/ occurrence |
|
Rental Damage Coverage |
✘ |
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply |
✓ |
$300,000 |
✘ | $300,000 (Fire and Water only) | ✓ | $100,000 |
| Stolen Equipment | ✘ | Optional—Add $95 | ✘ | No | ✘ | No | ✓ | $1,000 *$250 deductible |
|
Required CE hours |
✓ |
No |
✓ |
No |
✓ | No | ✓ | No Hours Required for Insurance |
|
Hour Qualification |
✓ |
No |
✓ |
No |
✘ | Yes (100 hours) | ✓ | No Hours Required for Insurance |
| Identity Protection Plan | ✘ | No | ✘ | No | ✘ | No | ✓ | $25,000 |
|
Annual Fee |
$199/yr |
$249/yr |
$199/yr |
$159/yr Professional
$55 first year Student |
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| NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by Nacams as to the accuracy or completeness of this information. Date that we confirmed this information 2/6/18 | BUY NOW > | |||||||
| AHP?Associated Hair Professionals | SSPTA?Alternative Balance | HBA?Health and Beauty Association (NAMT/ former IMA) | NACAMS | ||
| Professional & General Liability Insurance | ✓ | ✓ | ✓ | ✓ | |
| Occurence- Form Coverage | ✓ | ✘ | ✓ | ✓ | |
| Product Liability | ✓ | ✓ | ✘ | ✓ | |
| Rental Damage Coverage | ✘ | ✓ | ✘ | ✓ | |
| Stolen Equipment | ✘ | ✘ | ✘ | ✓ | |
| Required CE hours | ✓ | ✓ | ✓ | ✓ | |
| Hour Qualification | ✓ | ✓ | ✘ | ✓ | |
| Identity Protection Plan | ✘ | ✘ | ✘ | ✓ | |
| Annual Fee | $199 | $249 | $199 | $179 | |
| BUY NOW > | |||||
Esthetician Liability Insurance Coverage You Can Count On
Trust is one of the most important things to have with your liability insurance company. As a skincare and beauty professional, you need to know that your insurance will come through when everything falls apart. After a liability incident, you have enough on your plate without worrying about your insurance provider.
Fortunately, you can count on NACAMS when you need us most. We are proud to be a small company backed by some of the most trusted names in the insurance space. With insurance titans like Arthur J Gallagher & Co. and Arch Insurance Group on our side, our policyholders can trust they’re in the best care possible. Our parent companies are internationally recognized for outstanding coverage, above-board ethics, and remarkable customer service. The strength of our parent companies helps us at NACAMS do even more for our members. We promise to treat every policyholder personally and with the best care we can provide.
The Benefits of Portable Coverage
Life can be unpredictable sometimes. Whether you're well-established in your career or just starting, anything can happen. When life takes you on a different path to a new location or job, you shouldn't worry about your insurance coverage traveling with you. Who wants the hassle of starting a new policy every time they change jobs? When you register for esthetician insurance with NACAMS, your coverage travels with you wherever you go in the United States. This portable coverage means you are protected no matter where the road takes you. Portable coverage is a valuable component of your comprehensive esthetician liability coverage.
With coverage that goes with you wherever you are, you can have confidence that you're protected from liability lawsuits, accidents, and the cost of rental property damages in any state. If your career takes you across state lines, perusing the state requirements before you make the transition is recommended. Every state has unique regulations and restrictions on health and wellness professionals. Be sure to stay in the know on state regulations so you can operate safely and legally.
Let’s Talk Member Perks
Now, let's get to the good stuff. Your member benefits include perks and extras to make your work life better. We've tailored our member’s benefits package to help grow our policyholders’ careers, provide support and education, and enhance their experience as skincare professionals. With instant access to a plethora of perks, members can enjoy the best part of their policy immediately. Member benefits include industry-specific discounts, access to affordable healthcare plans, special pricing on everyday expenses, exclusive deals on office services and supplies, and much more!
Straightforward Renewal Process
Once you fall in love with your insurance coverage, renewing your policy for another term should be easy. Like our registration process, renewing your policy only takes a few minutes. Since we have your information on file, renewing an esthetician liability insurance policy can be done in less time than a facial. When you're ready to renew your policy, log in to your member portal and update any new info. Once the payment goes through, you will be covered for another term. It's that simple.
Esthetician and Skincare Services Covered by NACAMS
Get Professional Liability Insurance with NACAMS
Esthetician State Requirements
Estheticians provide priceless services to their clients, helping each client look and feel wonderful. NACAMS provides liability insurance for estheticians nationwide so that each esthetician can focus on doing the best work possible while not having to worry about any “what-ifs” that could go wrong during the course of a treatment.
For one low flat fee, estheticians can receive the quality, comprehensive coverage they deserve, avoiding the costly impact that a lawsuit can bring. Even the most careful esthetician can make a mistake, or encounter one of those hard-to-please clients that finds fault in a treatment, even if nothing really went wrong.
Learn more about what it takes in each state to become a licensed esthetician and any additional liability insurance requirements for business owners or individual practitioners.
Types of Claims Covered By Your Policy
We mean it when we say comprehensive coverage. Your liability insurance policy provides all-encompassing protection from liability lawsuits, accidents, rental property damage, and more. As a NACAMS member, you have access to a wall of defenses, including multiple layers of coverage.
Your policy includes the following coverage:
Professional liability coverage: These claims are also known as errors and omissions insurance.
General Liability coverage: These claims are sometimes called slip & fall coverage because they are the most common general liability claims.
Product liability coverage: These claims are often the result of a bad reaction or malfunctioning instrument.
Esthetician Insurance FAQs
Do you have questions about esthetician liability insurance in general? Or maybe questions about the coverages, details, and benefits offered by NACAMS esthetician liability insurance? We’re here to help. Take a look at some of the most frequently asked questions.
A really cool aspect of NACAMS esthetician insurance is the sheer number of covered services under our program. With NACAMS, you get full coverage for more than 350 different beauty and wellness services. Everything from acne treatments and chemical peels to microdermabrasion and waxing is all covered under one comprehensive program made just for beauty professionals like you. See our full list of covered disciplines here, but if you happen to not see yours listed, chat with a licensed agent to see if we can possibly add it to our growing list of covered services.
Solid insurance, no matter what it covers, should have a few key attributes: good coverage limits for liabilities, a full suite of protection, easy-to-access plan documents and a seamless claims process, as well as bonus benefits and perks. Our insurance program was crafted for estheticians so contains stout limits for general and professional liability events, in addition to product liability, stolen equipment coverage, rental damage coverage, and even an identity protection plan. This full suite of coverage is vital for today’s professionals practicing in a very hands-on industry.
Going further, we’ve worked hard to make our online membership portal really easy to navigate and simple to find the information you need. Striving for best status, we include a great membership program that includes cool freebies like a free professional website and access to deals on products and gear from leading names in beauty.
At just $179 per year with no additional fees, membership dues, or other surcharges, our program remains one of the most affordable and straightforward options for esthetician insurance available today. You can take advantage of a lower annual rate of $139 per year by purchasing a two-year plan option at $279.95. A super inexpensive option is also available to students studying to be estheticians. For just $55, esthetician students can get full insurance coverage for a year.
Nope, aesthetician is actually just a very common misspelling of esthetician.
Most definitely. With our estheticians insurance program, the policy includes full portability. Portability is a provision within our esthetician insurance policy that allows it to follow the policyholder no matter where they offer services within all 50 U.S. states. You can change employers, offer mobile services, or even move states and your policy will remain in effect as long as you follow all esthetician laws and regulations in your state.
Yes, please note we are not allowed to cover any member who is not a properly trained and licensed esthetician in their state or locale. Your state board will outline their esthetician license requirements and your local authority may have their own unique requirements for starting or running a business in the area. A good rule of thumb is to be very familiar with your state boards website.
Esthetician insurance from NACAMS covers general liability, professional liability, and products liability. Our insurance program for estheticians also provides coverage for stolen equipment and rental damages and includes an identity protection plan. Generic examples of events our esthetician insurance policy might cover include:
- General liability: a client slips and falls on their way to your chair and holds you responsible for their injuries.
- Professional liability: a client claims their eyebrow shaping gave them an infection because you didn’t clean your tools. They demand you pay for their doctors visits.
- Product liability: a client has an adverse allergic reaction to the moisturizer you use on them. They have to be hospitalized and file suit for all of their bills as well as legal fees.
- Rental damage coverage: you accidentally leave a small puddle of water on the floor and the next morning your landlord’s nice wood floor is buckled. The landlord demands you pay for the cost of repairs.
- Stolen equipment: you are the victim of a robbery by force that leaves you without vital products and/or equipment.
Absolutely. Waxes are one of the most common ways for injuries to clients to occur and, yes, are one of more than 350 different beauty and wellness services covered by a NACAMS esthetician insurance policy.
Product liability coverage provides up to $2 million for a member in the event that a product used during a service induces some form of adverse allergic reaction. Allergic reactions can be incredibly severe and even life-threatening. With an event that’s almost impossible to predict, we want our members to have peace of mind employing their chosen beauty treatments without fear of what would happen if something like an adverse allergic reaction were to take place.
Absolutely! Our esthetician insurance program comes with some great member benefits like discounts and exclusive early access on products and services from leading names in beauty. Once you select your coverage and check out online, you’ll have both instant insurance coverage as well as instant access to your membership benefits.
Right up front, a free website is included to help you promote your beauty services online. Share your specific knowledge in beauty with the clients that are already browsing online just for your brand of beauty. An online presence is crucial for connecting with today’s audiences, making this freebie one that you should definitely take advantage of. From there, you can start your subscription to a leading beauty magazine publication of your choice and start browsing all of the deals available to you.
Definitely. We are one of only a few esthetician insurance programs to provide coverage for the next generation of beauty pros. With our deeply discounted insurance program made just for students still in beauty school, students can get a full year of coverage for just $55. Another tactic for the student is to wait to get their esthetician insurance until just before they are to graduate. Then, they can get professional-level, super cheap esthetician insurance coverage for the bulk of their first year on the job.
Scrolling up you can see we have listed our esthetician insurance program provisions along that of other leading competitors. We do this because we are confident our program made just for estheticians is the best combination of value and coverage available on the market today. To get accurate online reviews, you need a neutral third party handling the process (ever wonder why some websites only display the 5-star reviews on their site?). We rely on a trusted leader in this field - TrustPilot. We’re really proud to have our estheticians insurance rated as “Excellent” by hundreds of our members on TrustPilot’s neutral review-gathering platform.
Esthetician license requirements can vary greatly from state to state so you should always be keenly aware of the unique requirements in your area. If you are moving states, your esthetician insurance stays firmly in place and all you need to do is update your new address on your member profile.
However, your license is a different matter. Check with your new state board early in order to get a firm grasp of all that is required to transfer your license. Some states may have additional education and/or testing requirements that must be fulfilled prior to them issuing you a new license in the state. Most state boards do a good job of listing all of the information needed on their websites but don’t be afraid to call and speak with a live person to make sure you have everything required for a license transfer in place.
The California State Board of Barbering and Cosmetology holds a number of insurance-related requirements for estheticians practicing in the state. Starting with the apprenticeship program, estheticians still in training aren’t required to have personal insurance but their workplace sponsor is. This would be a great time to take advantage of NACAMS discounted student program just for estheticians in training that’s currently only $55 for a full year of coverage.
Practicing estheticians, as well, aren’t required to have their own insurance unless they own and operate the place of business. As an employee, having your own esthetician insurance policy is the best way to guarantee you have the coverage you need if an accident or mishap were to occur. You also score great benefits and career support which can pay huge dividends over the long haul.
California is a fantastic place for estheticians to find great employment opportunities but the State Board does set a high bar to make sure safe practices are in place. Applicants must pay $115 for the application and initial license fee. You’ll also need to provide proof of completing 600 hours worth of board-approved esthetician training. From there, you’ll still need to take and pass a comprehensive 2-hour state board examination.
The good news is once you have made it past all of these hurdles and get your esthetician license in California, they do not currently require continuing education credits to maintain the license. It’s still a great idea to take continuing education to stay current and learn new trends in the industry, which is convenient because you get access to free NCBTMB-approved continuing education courses included with your esthetician insurance from NACAMS.
There are many, many options for Florida esthetician insurance but the best one is going to be the program that’s most suited for your own unique career path. NACAMS covers a wide range of different services all under one policy and does so at an affordable rate. With mountains of benefits included, we’re confident we’re one of the best options for Florida estheticians looking for solid coverage—but always do your research. That’s why we include a comparison grid above for popular programs, as well as links to TrustPilot’s independent review platform, where we’re proud to be rated as “excellent” by hundreds of our members.
Esthetician license requirements can vary greatly from state to state so you should always be keenly aware of the unique requirements in your area. If you are moving states, your esthetician insurance stays firmly in place and all you need to do is update your new address on your member profile.
However, your license is a different matter. Check with your new state board early in order to get a firm grasp of all that is required to transfer your license. Some states may have additional education and/or testing requirements that must be fulfilled prior to them issuing you a new license in the state. Most state boards do a good job of listing all of the information needed on their websites but don’t be afraid to call and speak with a live person to make sure you have everything required for a license transfer in place.
An esthetics license from the New York Department of State allows you to provide skin care regimens to fee-paying clients. While there is no insurance requirement to get this license and start providing services, you would be risking everything you just worked so hard to achieve if an accident or mishap ever occurs. That’s where all-inclusive esthetician insurance from NACAMS provides a great blend of coverage and affordability to help protect your career from the very start.