Esthetician Insurance For Iowa 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 Iowa?
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 Iowa, 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.
Why Should I Buy Esthetician Insurance?
An esthetician is a beauty industry professional who is licensed to perform certain cosmetology procedures, such as facials, massages, application of creams and waxes, as well as other non-surgical means to improve the appearance of the face. For example, the esthetician can perform facial massages to relax the facial muscles. He or she can also perform a soothing facial to reduce irritation and inflammation of the client’s skin. Estheticians may also recommend skin care products based upon a careful study of the client’s skin condition.
Requirements for Practice in Iowa
Estheticians who want to practice in Iowa need to obtain a license issued by the Iowa State Board of Cosmetology allowing them to practice in the state. In order to qualify for the state licensing exam, applicants must have 600 hours of training, composed of 150 hours of core life sciences, 115 hours of theory, and 335 hours of applied practical instruction from registered and licensed schools. To obtain a license, the applicant must pay the application fee and pass the exam.
Iowa reviews estheticians from other states on an individual basis if they want to obtain a license to practice in Iowa. For license renewal, estheticians need to have eight hours of continuing education, with four hours spent for the prescribed practice discipline for license renewal, before they can renew their license after two years.
Why You Need Individual Iowa Esthetician Insurance
Anything can occur during the course of performing a routine cosmetology procedure that could put you at risk for lawsuits. A facial that resulted in redness and itching, a massage that resulted in bruising, a chemical peel that resulted in excessive skin irritation or infection, or giving the wrong advice on creams and lotions which led to side effects, can put the esthetician at risk for negligence claims.
Protect your business and your clients by getting individual insurance. With individual insurance coverage, you can be sure that you have money to pay when clients ask for reimbursement for medical expenses. Your policy may even help you with legal expenses if you are facing legal action from a client who was injured or suffered unintended side effects after a cosmetology procedure. There are clients who will not think twice about trying to have your license revoked when they see that there is enough cause to do so. One small mistake can cost you your Iowa esthetician’s license, so be diligent in performing your procedures and obtain individual esthetician insurance to keep yourself covered.
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