Esthetician Insurance For Minnesota 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 Minnesota?
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 Minnesota, 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.
Minnesota Esthetician License Requirements
In order to acquire a license in esthetics in the state of Minnesota, individuals must attend an accredited school and complete at least 600 hours of training. After the training, candidates must pass a licensing exam administered by the state’s Board of Cosmetology. The state of Minnesota does not accept apprenticeship in place of those training hours, but may offer licensure through reciprocity. By applying to the Board for reciprocity, licensed estheticians from other states can practice in MN.
Minnesota Insurance Requirements for Estheticians
The second step in becoming a professional esthetician in Minnesota is getting insurance. Although this is not a legal obligation, you should protect yourself from potential losses that can result from unforeseen events and accidents that could happen in the course of your career by purchasing liability insurance. Of course, you may choose not to buy insurance; but you’ll be taking a very big risk. The practice of esthetics involves some degree of risk. You can be sued over a cosmetic treatment gone wrong. Without liability insurance, you could end up with a judgment award against you and be responsible for the injured party’s court fees, medical expenses and even missed wages, and you will also be forced to cater for your legal fees out of your own pocket – which can run into thousands of dollars. This will not only ruin you financially, but it will also damage your career.
Why You Need an Individual Esthetician Insurance Policy
Esthetician liability insurance provides protection in the event a client or third party files a claim for damages due to an injury or financial loss arising out of your work. Because you are very good at what you do and you care about your clients, it can be hard to think that you could cause an injury to one of your clients. But you must realize: accidents do happen and you can be sued for a completely unexpected scenario. Minnesota esthetician insurance protects you against the unexpected. The policy pays the injured party’s court fees, medical expenses, lost income, and any monetary compensation awarded to the victim. It also caters for your defense.
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