Esthetician Insurance For Alabama Residents
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 Esthetician Insurance Cost in Alabama?
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 esthetician 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 specialists when training both in-person and online (live & pre-recorded), at no extra 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 Esthetician Liability Insurance is an Investment Every Esthetician Should Make
Professional estheticians in the state of Alabama must recognize the need to have an insurance policy that can cover them in the event that any type of legal claims are brought against them. The need to procure Alabama esthetician insurance is absolutely necessary in light of the particularly litigious society we’re living in today; unfortunately, there are many opportunists out there that are looking for a way to sue someone, and many times, individuals are among the first to end up in the crosshairs. It is not uncommon for an individual to be sued by a disgruntled client, even when there is no substantial evidence that any damage or injury took place. Sadly, for most estheticians, it only takes one lawsuit like this to cause significant financial damage, sometimes even to the point of causing bankruptcy.
A NACAMS Policy Includes:
500+ Modalities Covered—No Extra Cost
You’re covered for over 500 yoga, massage, & beauty modalities like facials, waxing, 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.
What are the Insurance Requirements for Alabama Estheticians?
According to the Alabama Board of Cosmetology and Barbering, the requirements to become a licensed esthetician in the state of Alabama are as follows:
- Candidates must be at least 18 years of age
- Candidates must complete 1,500 hours (3,000 hours for apprentices) of training in a licensed cosmetology school
- Candidates must complete a written and practical exam
Once these criteria have been met, you can then enter into business as a licensed esthetician. It is important to note that the services that an esthetician provides are inherently risky where the potential for injury is concerned. Procedures such as tweezing, waxing, and steaming all carry a degree of risk that is above average, and the potential for something to go wrong is sufficient enough to warrant the appropriate insurance coverage.
Although most professional estheticians are highly skilled and well-intentioned, the chance of an accident occurring is always present, and this fact is simply too important to ignore. For this reason, obtaining the appropriate esthetician insurance is an absolutely necessary decision.As a rule, esthetician insurance is usually designed to offer protection in two primary categories: Professional liability (also known as “malpractice insurance”) and general liability (also referred to as “slip and fall” insurance). Professional liability coverage protects you against legal actions arising from clients who have allegedly suffered injury or damages due to some type of misapplication of skill or other errors. General liability refers to accidents or injuries that may have occurred at the place where business is conducted, such as a rented suite or in a client’s house. Examples of general liabilities include an injury from a malfunctioning salon chair, or a client sustaining an injury from tripping over a rippled floor mat. Product liability coverage of some kind is the third, and certainly very useful, other major form of insurance for estheticians.
The important thing to remember is that your business is your livelihood, and if you don’t take the appropriate measures to protect your business from adverse legal action, you could jeopardize your own financial well-being and long-term career prospects in your chosen field. The small investment required to obtain the proper professional insurance coverage will go a long way towards protecting your business from potentially catastrophic risk.
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