Esthetician Insurance For Massachusetts 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 Massachusetts?
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 Massachusetts, 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.
Massachusetts Licensing and Education Requirements for Estheticians
For you to get your license in the state, one is only required to do a minimum of 300 hours of schooling. If you are in the tenth grade, you will be able to sit in for the exam, as this is the minimum educational requirement in the state. You also have to be at a minimum of 17 years old in order for you to sit for the exam.
You are required to renew your license every two years, and it has to be done by the date of your birthday in order to avoid the license from lapsing when you go to get it renewed. You will also be able to work if you are currently licensed out of state, as reciprocity rules are in place. You will have to show that you have, at a minimum, completed the same number of hours in your state, have been licensed, and are in good standing where you currently practice in order for the reciprocity rules to apply to you when you come from out of state to work in Massachusetts.
Business Requirements
If you are a business owner, you are not required to buy a professional liability coverage policy, but it is a good idea. It is the best way to shield from personal injury claims, including a slip and fall, or a faulty piece of equipment, causing some type of damage or injury to a client when s/he is in the shop.
And, with such protection, it is also going to extend to the estheticians that work for you, even if they do not have their own personal policy in place to be able to cover you from such claims if they are filed by a client.
Practitioner Requirements
As the individual, professional esthetician, you should consider a personal Massachusetts esthetician insurance policy. It is not only going to keep you safe in the event of a lawsuit, it is also an easy way for you to protect your license if you are sued for malpractice and are found to be at fault for it.
You are not only going to cover yourself, and the claims that are filed against you in the field, you are also going to avoid a high out of pocket expenses when it comes to litigation or to the different claims you are dealing with in your career.
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