Esthetician Insurance For Maine 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 Maine?
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 Maine, 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?
If you are an esthetician practicing in Maine, you are probably aware that salons and spas are required to have business insurance that protects the establishment, as well as potential clients in case a cause for legal action arises. Lawsuits are not uncommon in the beauty industry. Botched lip injections, massages that caused sprains or bruises, and allergic reactions to poorly chosen skin care products can expose beauty establishments to lawsuits. Individual estheticians are also exposed if the client decides to run after them for damages, or worse, to have their licenses revoked.
Requirements for Estheticians in Maine
In order to practice in Maine, you need to have a license. Licensing requirements include 600 hours in esthetician school, coupled with 1250 hours as an apprentice in a registered salon or spa. Applicants must be 17 years of age and must have at least a 10th grade level of education in order to qualify for the state licensing exam. You can also avail of state reciprocity laws, provided that you come from a state with licensing requirements that are the same or higher than Maine’s.
Estheticians can have their licenses renewed after two years. Maine also requires 14 hours of continuing education for its estheticians in order to renew.
Why You Need Esthetician Insurance
It is so easy to be at the receiving end of a complaint from a client who suffered a bad reaction from a routine cosmetology procedure. If you are a practicing esthetician, you probably perform procedures such as waxes, chemical peels, and microdermabrasion on clients every day, not aware of how tiny mistakes while doing these procedures can give clients enough cause for reimbursement or legal action. No matter how careful you are, there is always the risk of something going wrong in the course of performing any procedure, and you need to have enough coverage that protects you from liability.
Insurance will protect you from clients who may experience bad reactions from oils and chemical peels. Insurance can protect you when clients make claims or ask for financial reimbursement for medical expenses incurred due to these reactions. Insurance may even help foot legal bills in case some clients decide to take legal action.
A single slip, a tiny mistake, in the course of your practice can expose you to a potential lawsuit that could cost you months’ of salaries or worse, your Maine esthetician’s license. Get the peace of mind you need and protect yourself and your livelihood with individual esthetician insurance.
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