Esthetician Insurance For Kentucky 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 Kentucky?
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 Kentucky, 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?
Estheticians in Kentucky are responsible for enhancing the quality and tone of clients’ skin and appearance through provision of services, such as facials, skin analysis, makeup artistry, waxing, eyebrow shaping, body polishes and wraps, and more. The services you, the professional esthetician, provide are priceless, yet there are risks involved. To minimize any risks to you and your professional practice, you need to invest in a good individual Kentucky esthetician insurance policy. It is also important to ensure that you are currently licensed to practice esthetics in the state.
Kentucky Esthetician License Requirements
To be licensed as an esthetician in Kentucky, individuals must attend an accredited school and complete a minimum of 1000 hours of training. After finishing the training, candidates must pass the Kentucky written and practical board exams in order to receive the license. The state’s Board of Cosmetology may accept apprenticeship in place of those training hours. The state of KY does not provide licensure through reciprocity, and estheticians who wish to practice in the state may be required to take the Kentucky exams.
Kentucky Insurance Requirements for Estheticians
Estheticians in Kentucky, especially those who work in medical settings, are considered to be healthcare providers. In fact, some esthetics procedures may constitute “the practice of medicine.” As such, malpractice is an important insurance to carry. Besides, employers, salons, and other facilities often require that their estheticians have individual liability insurance policies in order to rent a booth or work at their premises. Without insurance, it would be hard to grow your professional practice in Kentucky. Simply put: you must buy an individual esthetician insurance policy.
Importance of Individual Liability Insurance for Estheticians in Kentucky
The practice of esthetics can be an exciting and rewarding profession. However, it’s not always about glamour. You face many risks every day. Administering skin care treatments and procedures while in close contact with clients, as well as having to handle potentially harmful products and tools in a hectic environment leaves you highly vulnerable to a lawsuit.
There are many situations that could lead to a client sustaining an injury. For example, you may apply a chemical peel to a client who has had a lot of sun exposure, causing painful and unsightly skin burns. The client will most likely sue you. The same case applies if, for example, you apply hair removal wax that is too hot, causing burns on the client’s skin, or if a client develops an allergic reaction to a topical product. The client could sue you for emotional distress, bodily harm, and loss of income because he/she could not return to work. Liability insurance for individual esthetics professionals in Kentucky protects you if such claims are made.
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