Esthetician Insurance For Kansas 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 Kansas?
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 Kansas, 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?
Professional estheticians who intend on operating a business in the state of Kansas need to be aware of the importance of obtaining Kansas esthetician insurance. This type of insurance is an absolute necessity in light of the many legal threats that exist in our litigious society today.Although individual contractors and employees are statistically less likely to be sued than larger mega-corporations, the threat of being blindsided by a lawsuit from a disgruntled client still exists, and this threat must be taken seriously in order to protect yourself and your practice from potential financial ruin.
Requirements for Kansas Estheticians
Estheticians fall under the general umbrella of the cosmetology profession, a line of work that upholds strict licensing requirements in the state of Kansas. According to the Kansas Board of Cosmetology, estheticians are required by law to complete the following requirements in order to obtain a license in cosmetology:
- Attend a licensed cosmetology school
- Complete a minimum of 1,000 required training hours
- Successfully pass a Kansas State Board of Cosmetology-issued licensing exam
Once these requirements have been met, you can begin conducting business as an esthetician in the state of Kansas.
Importance of Having Insurance
What most estheticians may not take into account is the fact that all of their hard work and long hours of training can be put in jeopardy by one simple lawsuit if they are not covered by any type of esthetician insurance. The esthetician’s line of work carries several unique inherent risks, since the majority of their business practices involve improving the skin condition of their clients.
As anyone can imagine, this is a line of work that allows very little (if any) room for error, and one treatment or procedure gone wrong is enough to trigger legal claims that can be potentially devastating to the life and health of your business. For example, if a chemical peel treatment were to go wrong, or if a client were to experience severe allergic reactions due to a particular facial scrub, this could result in a client taking legal action that could be nothing short of catastrophic for your business.
The best move to make is to obtain esthetician insurance that protects you from professional liability claims, which basically state that the esthetician caused some type of injury or damage due to negligence or lack of professional competence. Another important component of your insurance policy is what’s known as general liability (often called “trip and fall”), which protects you in case a customer slips and falls, or gets injured on a piece of business equipment (e.g., a salon chair), or any number of other accidental occurrences.
The important thing to remember is that accidents can and do happen, and as the old saying goes, “An ounce of prevention is better than a ton of cure.” In this case, the small expense necessary to maintain proper esthetician insurance coverage could help prevent a potentially disastrous financial burden later down the line.
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