Esthetician Insurance For Missouri 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 Missouri?
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 Missouri, 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.
As a beauty professional who specializes in skin care, an esthetician is responsible for providing everything from advice to clinical treatment for common skin care ailments and medical conditions. Although an esthetician is not a licensed medical professional, they will often be asked to provide a professional diagnosis of a skin-care-related issue. In addition, an esthetician will most often work in a spa or salon where they will perform a plethora of beauty techniques that range from facials to exfoliation treatments to body wraps to much more. Before you decide to make the costly and time-sensitive decision to return to school to become an esthetician, it is important to learn what qualities make a great esthetician.
Not only should you be excellent in customer service and in being around people, but also you must enjoy working with your hands and have the ability to make people feel relaxed and comfortable while in your presence. Because skin care is an industry that is not expected to disappear, the job outlook for an aspiring esthetician remains markedly positive. Recent graduates of an esthetician school most often find employment in resorts, spas, hospitals or salons; however, many are having to find apprentices with a qualified esthetician to gain experience before finding a full-time position.
Why Insurance Matters
When it comes to thinking of professions that are most likely to be sued by an angry or dissatisfied client, an esthetician is most likely the last career that comes to mind. However, many estheticians are opting to purchase Missouri esthetician insurance to cover their hard work and investment. Because it is difficult to predict when a former client may sue, it is always recommended that an esthetician have liability insurance that will cover both their business and personal assets. In addition to the peace of mind that having insurance will provide the esthetician, it will also encourage more clients to join your practice.
Missouri Requirements for Estheticians
Becoming an esthetician in Missouri requires returning to an approved cosmetology school for either 750 hours of classroom training or 1500 hours at an apprenticeship. Once the schooling has been completed, the aspiring esthetician will be required to take and pass a written and practical exam. Once passed, the person will receive a license to practice as an esthetician in Missouri. Although the cost of an esthetician program varies from school to school, it appears that the cost can range anywhere from $3,000 to $10,000.
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