Esthetician Insurance For Montana 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 Montana?
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 Montana, 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.
In order to sit in for the licensing exam in the state, you are first required to complete 650 hours of schooling. It is also a requirement that you are at least 18 years of age, have your high school diploma, or that you have the equivalent as a GED.If you are working in state, it is a requirement that you renew your license by Dec. 31 every two years in order for it to be up to date. Otherwise, you’ll be responsible for any late penalties and may potentially lose your license if the renewal is not completed in a timely fashion.
For those who are currently licensed out of state, reciprocity is one way for you to come in and work in state without having to complete the 650 hours again. As long as you have worked in a state where you completed the same number of hours, carry an up-to-date license, and are in good standing, you can work in the state and get your license through reciprocity.
Esthetician Business and Individual Insurance Considerations
If you are a business owner, you do have to purchase professional liability coverage. This will cover on-site accidents, such as slip and fall cases, situations where a client is injured by faulty equipment, or other similar accidents. All of these incidents are going to be covered by this business policy. It is also an option to add an extended level of coverage for the employees that work for you. In the state, you are not required to purchase a personal Montana esthetician insurance policy in order to work. It is, however, the simple way for you to protect your license, for you to protect yourself if you are ever sued, and to avoid the high costs that come along with certain lawsuits, when you are working in this field, where lawsuits do occur often.
If you are looking for optimal protection, if you do not want to pay out of pocket expenses, and if you want to ensure you never lose your license, simply because of a lawsuit or a false claim, then the option to purchase a personal liability coverage policy is one that you should consider in this field of work. In addition to protecting you and your license, it is also a very affordable policy, especially when you compare the rates, and compare the many different companies that are out there for you to choose from, when deciding on coverage.
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