Esthetician Insurance For South 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 South 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 South 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.
Understanding Esthetician Insurance In South Dakota
Not having a solid insurance policy in place is akin to playing “Russian roulette” with your business. If you truly value the hard work, resources, and long hours of training you have invested into your business, make a sound decision to preserve it by obtaining esthetician insurance as soon as possible.
Savvy estheticians in the state of South Dakota are well aware of the necessity of having the appropriate insurance coverage in order to safeguard their businesses from potential financial strain due to various lawsuits. In light of the countless number of frivolous lawsuits that are filed against small businesses every year, having South Dakota esthetician insurance is the only way to ensure that your business will be shielded from legal threats of all kinds.
How Do I Become An Esthetician In South Dakota?
In order for you to obtain an esthetician license in the state of South Dakota, you will need to meet the following requirements to remain in compliance with the South Dakota Cosmetology Commission:
- You must be at least 18 years of age, as proven by your birth certificate.
- You must complete 600 hours of training and education by attending a licensed school in South Dakota, or provide proof via sworn affidavit from an out-of-state institution if transferring.
- You must pass three separate examinations (written, practical and laws/rules).
What Are General And Professional Liability Insurance Requirements For South Dakota Estheticians?
Sadly, many estheticians commit the fatal flaw of immediately launching out in business after getting trained without considering the vital issue of obtaining the proper professional insurance. An esthetician’s work in particular qualifies as “high-risk,” because it deals directly with various skin services.
Unfortunately, there have been several cases of clients who received certain skin treatments or procedures (e.g., chemical peels, facials, etc.) in which certain injuries or severe allergic reactions took place, and as a result, legal action was brought against the esthetician. No matter how well-trained or well-intentioned an esthetician may be, there is still always a risk of an accident happening that no one could foresee. For this reason alone, it only makes sense to protect your business from potentially catastrophic legal action by way of obtaining the appropriate esthetician insurance.
General Liability Coverage
(1) General liability coverage, which protects your business in case of any accidents that may occur on the workplace premises. This could include someone tripping and falling, or accidentally getting injured on a piece of business equipment (e.g., a defective chair, etc.).
Professional Liability Coverage
(2) Professional liability coverage, which protects your business from any claims of professional incompetence or acts of negligence. This includes any ill effects suffered from a treatment or procedure that goes wrong, etc. It can also include any financial harm suffered by a client if they have to miss work as a result of the incident.
Product Liability Coverage
(3) Product liability coverage, which will help cover the cases in which a product you used either caused an allergic reaction or some other kind of injury to a client. Offending skin creams or malfunctioning equipment are two examples that product liability insurance may cover.
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