Esthetician Insurance For North Dakota 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 North Dakota?
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 North Dakota, 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.
North Dakota Requirements for Estheticians
Working as an esthetician in North Dakota, you will be required to first complete 600 hours of schooling in order to be able to sit in for the state exam to receive your license. It is also a requirement that you are at least 16 years of age, with a 10th grade or equivalent educational background.
Upon passing your exam, you will also be required to renew your license on an annual basis in order to be able to continue to practice. An additional 8 hours of ongoing education is also required by those who are, or want to be, instructors when they are renewing their license each year.
Insurance Considerations
In terms of insurance, both business owners, as well as instructors, are required to carry a liability insurance policy. This is to cover against accidents at the workplace, accidents or injuries with equipment, and other on-site accidents and injuries that may take place.
You are not required to carry an individual North Dakota esthetician insurance policy in order to work in this field in the state. However, it is advised for you to purchase a personal insurance policy, not only to protect your license, but also to avoid the potential of a costly lawsuit if you are ever sued.
Even professionals who have been in the industry for several years have been sued and have found themselves in a situation where they might lose their licenses. You are going to make mistakes in this field, and you may, someday, provide a poor service, for which a client may want to sue you for emotional distress or other injuries that they sustain when you are taking care of them as a client. For this reason, individual protection via insurance is the best way to shield yourself and your career from lawsuits and not have to pay hefty fines and penalties out of pocket.
In addition to avoiding the high cost of a lawsuit, a great insurance policy is also going to cover you in the event a client ever tries to get your license taken away for poor services. You will find that you are covered by most insurance policies, and that there is a provision in which your license is protected, even if you are sued. So, having personal insurance coverage in this field is a great way to avoid possible loses, lawsuits, and high expenses that come along with these liability claims.
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