Esthetician Insurance For Hawaii 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 Hawaii?
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
Liability insurance is relatively low cost, especially when compared to the price tag of an average lawsuit.
In Hawaii, aesthetic services are offered in various settings, helping to increase client convenience and growth opportunities for estheticians. With NACAMS, you're covered anywhere you offer your services including spas, beauty salons, and skincare clinics.
And while offering a variety of aesthetic services is wonderful, it also comes with unique risks that our policy covers. These risks may include accidental injuries such as scars or burns. Additionally, certain products and treatments can cause allergic reactions and infections.
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.
Requirements for Estheticians in Hawaii
In order for you to work in Hawaii as an esthetician, it is a requirement that you complete 550 hours of schooling. In the state, you must also do an apprenticeship, during which you’ll be required to meet the 1100 hour mark. This must be completed prior to being able to sit for the licensing exam that you are also required to take before you get your license.
You must have the equivalent of a high school diploma, and you must also be 17 years of age in order for you to be able to sit for the exam that is required to get your license.
In terms of the license, you are required to get it renewed on Dec. 31 of odd numbered years. If you do not do so, not only does the license lapse, you are also going to have to pay fines in order to have it reinstated before you can practice again.
If you are from out of state, you must have completed an apprenticeship, you have to show you are in good standing, your license has to be current, and you must be able to show the competence in order for you to be able to get your license to work in the state as an esthetician.
Insurance Requirements in HI
For those who are business owners, you do not have to buy professional liability coverage in order for you to be able to work in the state; further, it is not a requirement for you to purchase a personal Hawaii esthetician insurance liability policy.
However, a personal protection policy is the only way for you to fully protect yourself against such claims that are filed against you. If you are sued for emotional distress, if you are ever sued because of bad or poor quality work, then you are going to be covered by the esthetician policy that you purchase.
Another reason to consider a policy is the simple fact that you can find great coverage for a very low annual cost. Not only is it going to cover you in the event of the false claims, but also the viable claims that are filed against you. And, if you are sued for malpractice, you run the risk of losing your license. When you have the right personal protection in place, it is a simple way for you to protect the license you’ve worked so hard to acquire. Plus, you won’t have to worry about losing your time or your well-earned money.
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