Esthetician Insurance For Rhode Island 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 Rhode Island?
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 Rhode Island, 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.
What Are General And Professional Liability Insurance Requirements For Rhode Island Estheticians?
Esthetician insurance may not be a requirement for individual practitioners; however, it is something that skin care specialist should not live without. If someone were to ask you what jobs or careers would require having malpractice insurance, you would most likely answer by saying a doctor or lawyer.
However, in an era where suing is becoming more and more common for even the smallest of problems, it is important that any person involved in a career that requires the physical service of another has coverage. Given that being an esthetician requires offering advice and providing skin care aid to clients, it is best to make sure that you are covered in the case that the unthinkable occurs. It is far better to have esthetician insurance and never use it than to not have it when you absolutely need it.
While the likelihood of being sued as an esthetician is slim to none, stranger things have happened. Not only does Rhode Island esthetician insurance protect the practitioner, but it also provides peace of mind to potential new clients and costumers. A person is much more likely to choose the esthetician that has full coverage than the office that does not, because they were feel more secure and safe.
Since becoming an esthetician requires a large commitment of both time and money, there is no point a jeopardizing a potentially lucrative and rewarding career by not opting not to purchase insurance. The low monthly cost of esthetician insurance is well worth it when you consider the legal fees and damages that are often awarded in a malpractice case. Although the actual cost of esthetician insurance varies from provider to provider, it is always advisable to have the coverage for your own sanity.
How Do I Become An Esthetician In Rhode Island?
Like every state in the US, a person who wants to become a certified esthetician in Rhode Island must first complete a training program. Although it is not required that an esthetician have attended and graduated from a four-year college, these skin care specialists must have completed a certified course at a cosmetology school.
To find a certified esthetician school, interested parties should contact the Rhode Island State Board of Cosmetology for additional information. Rhode Island requires that estheticians have completed a minimum of 600 hours of training. In addition, after the successful completion of the classroom instruction the applicant must take and pass Rhode Island’s written and practice exam for estheticians.
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