Esthetician Insurance For South Carolina 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 South Carolina?
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 South Carolina, 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.
Understanding Esthetician Insurance In South Carolina
As a trained and licensed esthetician, you use your knowledge and skills to improve the appearance of your clients’ skin, instilling confidence and helping relieve stress. While your work offers immense benefits to clients, the cosmetic treatments you provide often come with some specific risks. It is, therefore, important for you to invest in the right South Carolina esthetician insurance plan. Whether you work from home with an established clientele, as an independent contractor, mobile esthetician who travels to people’s homes, or work in a salon or spa, an individual esthetician insurance policy is essential.
But, before you start shopping for an insurance policy, you will need to ensure that you’re licensed to practice esthetics in South Carolina.
South Carolina License Requirements for Estheticians
To obtain a license in esthetics in the state of South Carolina, individuals must undergo an accredited training program consisting of a minimum of 450 hours of coursework and hands-on training at a licensed school. The state of SC does not accept work experience in lieu of those training hours. After the training, candidates must pass a licensing exam, which is administered by the state’s Board of Cosmetology. South Carolina also offers licensure through reciprocity, and licensed estheticians in the states that have reciprocity with the state can apply to transfer their license to SC.
South Carolina Insurance Requirements for Estheticians
Currently, there is no strict legal requirement for estheticians in South Carolina to carry insurance. However, individual esthetician liability insurance is must-have coverage for any esthetician operating in SC. Even if you are employed and your employer has insurance, you should purchase your own individual liability insurance plan, as your employer’s policy many not be adequate or may not cover you in certain circumstances such as when you are working outside of his/her premises. Esthetician insurance will protect you any time a customer or another third party files a lawsuit claiming that your work caused them bodily injury, property damage or financial loss, whether it was due to negligence, oversight, professional error, or anything that would make a client feel disgruntled.
Why You Must Carry an Individual Esthetician Insurance Policy
As an esthetician in South Carolina, you cannot control or predict all circumstances that can arise while giving cosmetic treatments to a client. Accidents are a common fact of life, and one can arise, no matter how careful you are or the number of precautions you take. A facial steamer could malfunction and spit boiling water on a client’s face, causing painful and unsightly burns. One of your clients may develop a reaction to a product that you have successfully used before. There are many situations that could lead to a costly and time-consuming lawsuit being filed against you. Even the most careful, skilled estheticians have had to deal with lawsuits.
In the event of a liability claim, you could experience a significant financial and career setback. You need adequate protection against claims brought by clients and other third parties for economic damages stemming from your acts, errors or omissions in the performance of your services. That’s where esthetician insurance comes in. This type of coverage provides the necessary legal and financial assistance to deal with claims, helping save your livelihood.
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