Esthetician Insurance For Just $0.49/Day
As a skincare and beauty professional, you must trust that your liability insurance will come through when difficult situations arise. At NACAMS, we cover beauty and wellness professionals for more than 500+ services so you can feel confident you are covered. Our no-quote, no-membership fee comprehensive insurance covers you for 49 cents daily (paid annually)
Esthetician Liability Insurance Features:
Occurrence-form policy for complete protection
Dual-practitioners are welcome, with coverage for 500+ modalities
No quotes! Secure your insurance in 5 minutes or less.
Over $500 in Exclusive Member Benefits
What Is Estheticians Liability Insurance?
Esthetician liability insurance protects you from paying out of pocket if a lawsuit or insurance claim arises. Below are the coverages included within a liability insurance policy with NACAMS.
Professional Liability Insurance
Professional liability insurance protects you against malpractice claims by providing financial support. For instance, if a client accidentally experiences a burn during a brow wax, you could face a claim requiring compensation. In this case, professional liability insurance will pick up the legal and settlement costs, lightening the financial burden.
General Liability Insurance
General liability or “slip and fall” insurance is a primary form of insurance that an esthetician's policy includes. It is the kind of coverage almost every business wants and needs. If someone slips on a small spill and suffers an injury, for instance, you could face a lawsuit. Accidental slips and falls can happen to any business that allows a customer on their premises.
A NACAMS policy also includes identity theft protection insurance. This safeguards your clients and employees from the cost impact of fraud. It supplies your business with financial assistance to cover legal fees, lost wages, financial institution penalties and travel expenses during the recovery process.
What Does Esthetician Insurance Cost?
At NACAMS, we seek to provide the best coverage at affordable rates. one year annual plans is just $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 $329.
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Pro 1 Year
Just $0.49/Day
$179
Lock in annual rate of $164.50
Pro 2 Year
Just $0.45/Day
$329
Save 66%
STUDENT 1 Year
One Time Only*
$60
Types of Liability Insurance Claims for Estheticians and Cosmetologists
Our liability insurance policy provides A-rated protection against alleged claims leading to lawsuits, medical fees and more. As a NACAMS member, you have access to a wall of defenses, including multiple layers of coverage.
Examples of claims our policy protects you from comprise:
- Accidental burns from the tools you use in your typical services
- Allergic reaction allegations stemming from cleaning agents used in the spa
- Clients falling during a visit, alleging unsafe conditions
- Chemical burns after leaving acid exfoliants on for too long
- Skin damage following a facial
- Eye injury after eyebrow extension installation, eyebrow tinting or eyebrow shaping
Esthetician Insurance Policy Highlights
Esthetician liability insurance is an investment in your career
The work of an esthetician involves a certain element of risk as it brings you up close and personal with your clients. By investing in a liability insurance policy, you can give yourself and your clients peace of mind regarding unforeseen incidents.
Here are the limits and exclusions of the NACAMS esthetician insurance policies:
Esthetician Coverage Limits:
Esthetician Coverage Exclusions:
Our policies do not include advanced esthetics insurance coverage for laser treatments and permanent makeup.
The Esthetician Services NACAMS Covers
We cover a variety of esthetician services to deliver the peace of mind you need to serve your clients confidently.
Get Peace Of Mind With NACAMS
Why Choose NACAMS for Esthetician Insurance?
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. on our side, our policyholders can trust they’re in the best care possible.
Choosing our policies to protect your esthetician profession offers these benefits:
Portable Coverage
Your coverage travels with you wherever you go in the United States, meaning you do not need to tell us! Please review esthetician insurance requirements if your career takes you across state lines.
Member Perks
Your coverage also comes with over $500 worth of exclusive discounts and savings on everyday needs that a professional like you may need. Gain access to these member benefits when you become a NACAMS member.
Simple Checkout Process
Our checkout takes only a few minutes because we do not believe in quotes. Once the payment goes through, you will automatically secure coverage for your services. Access your free e-certificate in your member portal.
Flexible Coverage Options
- Instant Activation: Enjoy same-day coverage with immediate proof of insurance available in your online dashboard. No waiting, no hassle.
- Custom Start Date: Prefer to plan ahead? Set your coverage to begin up to 90 days after purchasing your policy, providing you with the flexibility to align coverage with your schedule.
- Choose The Policy That Fits Your Needs: Student, Full-Time, Two Year options available
Why Do You Need Esthetician Insurance?
Without insurance coverage, a liability lawsuit could cost a skincare professional hundreds of thousands of dollars or more. 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 professional liability insurance protects you from substantial financial losses when an incident occurs.
Other reasons to invest in an insurance policy include:
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.
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 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
What is the Best Liability Insurance for Estheticians?
Named by Insurance Ranked as the Best Esthetician Insurance company on the market, NACAMS is an excellent option for all-inclusive professional and general liability insurance. Coverages include malpractice, slip and fall, slander, allergic reactions all for one low cost of $179 annually.
Why Choose NACAMS for Esthetician Insurance?
- Tailored Coverage Options: Our policies are fully customizable, allowing you to choose the coverage that best fits your unique business needs.
- Affordable and Comprehensive: Get high coverage at a low cost, ensuring peace of mind without breaking the bank.
- Seamless Policy Management: Manage your policy online 24/7, offering you convenience and control whenever you need it.
- Effortless Claims Process: Enjoy a quick and easy claim-filing process to minimize downtime and stress.
- Flexible Coverage: Our insurance moves with you, adapting to wherever your business takes you.
- Specialized for Your Industry: Meet salon or spa requirements with our Certificate of Insurance, ensuring compliance and readiness for any client demands.
- Expert Customer Support: Our licensed agents are always ready to assist, providing you with dedicated support whenever you need it.
Join the thousands of satisfied beauty professionals who trust us to protect their livelihoods. With NACAMS, you're not just getting insurance; you're gaining a partner dedicated to your success and peace of mind."
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.
Esthetician Insurance Frequently Asked Questions (FAQs)
Explore the answers to frequently asked questions about esthetician professional liability insurance coverage below.
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 500 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 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. A super inexpensive option is also available to students studying to be estheticians. For just $60, 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 an identity protection plan. Generic examples of events our esthetician insurance policy might cover include:
- Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
- Identity Protection Coverage: $25,000
- Personal Injury and Advertising Injury: $2 Million
Absolutely. Waxes are one of the most common ways for injuries to clients to occur and, yes, are one of more than 500 different beauty and wellness services covered by a NACAMS esthetician insurance policy.
Good news for you, NACAMS does not have a quite process meaning, you can checkout in minutes and be instantly insured. To complete the checkout process here is what you need:
- Personal Details: Gather basic information such as your full name, contact information, and business address. This is crucial for creating your file.
- Primary Modality: This will most likely be Esthetics but we have options like hair stylist, cosmetology, nail and more.
- Additional Insureds: Identify anyone else who should be included on your policy, such as business partners or key staff members.
- Payment Information: Decide how you prefer to pay for your insurance, whether through credit card, direct debit, or another method.
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 affordable insurance program made just for students still in beauty school, students can get a full year of coverage for just $60. 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 esthetician insurance coverage for the bulk of their first year on the job.
To get accurate online reviews, you need a neutral third party handling the process. 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. You can also find ratings on platforms like Google Reviews, Better Business Bureau, and more.
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 $60 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.
Invest in Your Career With Esthetician Liability Insurance
Safeguarding your esthetician career with liability insurance is a valuable investment that will support you when unexpected circumstances transpire. At NACAMS, we have developed insurance products catering to your needs at different career stages. You can access your preferred insurance option through a simple and fast four-step process.