Esthetician Insurance For Maryland 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 Maryland?
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 Maryland, 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.
How Do I Become An Esthetician In Maryland?
When considering a career as an esthetician in Maryland, it is important to know what the minimal requirements are, and how long it will take before you can actually practice in the field. First off, you must complete 600 hours of schooling prior to being able to sit in for the exam. In addition to this, at least 12 months working as a registered apprentice is required in order for you to get additional on the job training. An education of 9th grade or equivalent is required, and applicants who want to go to school must be at least 17 years of age to attend.
Passing the state exam is required prior to receiving your license. Renewal of your license must be done every two years, which requires you to fill out paperwork and to pay the appropriate fees for the license renewal. In terms of reciprocity, only estheticians who have worked in a state where the requirements are equivalent to those in Maryland will be considered for a license, without having to complete additional schooling.
What Are General And Professional Liability Insurance Requirements For Maryland Estheticians?
Business liability insurance is required in the state, as well. Premises coverage, coverage against injuries on the work site, or faulty equipment, will all be covered under this business policy. Additionally, business owners can cover their estheticians to a certain extent with their business policy. For those who want full coverage, a personal Maryland esthetician insurance policy is something that you should consider purchasing. It is going to cover claims which are filed against you personally, and not against the salon or the employer that you work for. If you are sued for malpractice, if you make a mistake and a client is not happy, or if you personally injure a client you are working with, your personal liability coverage will protect you in these cases.
In addition to covering these things, your personal liability coverage is also going to protect your license, so you do not have to worry about losing it in the event you are sued, and the client wins. You are fully protected, and you can find varying levels of coverage, based on the price you can afford on an annual basis. This policy is affordable as it is an annual rate, as opposed to a monthly payment made, and it is the only way that you can protect your license, and protect your career, if claims are filed against you by a client.
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