Esthetician Insurance For West Virginia 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 West Virginia?
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 West Virginia, 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 West Virginia Estheticians?
Along with having adequate esthetician liability coverage, it is also important to be fully up to date with all the licensure requirements in the state of West Virginia. All estheticians in West Virginia are required to have a valid license to practice in the state.
Understanding Esthetician Insurance In West Virginia
If you are a professional esthetician in West Virginia, it is extremely important that you purchase liability insurance, which is critical in the work you perform, as one mistake can be costly even if a claim is without merit. West Virginia esthetician insurance covers the potential costs incurred to you to defend yourself against a customer who is dissatisfied with services provides and claims they have been injured or their property has been damaged because of your work.
There are many job-specific risks and circumstances that can result in a legal claim being filed against you. For example, a customer may claim that a brow wax you performed on them caused burns, disfiguring them, forcing them to miss work and causing them financial loss in medical expenses. Or, a chemical peel you applied on a customer’s face caused burns as she has had excessive sun exposure prior to the treatment. Even in situations where you may think there is no case, the legal costs can be significant. Esthetician insurance steps in to provide you with the coverage you need against costly legal claims.
West Virginia Esthetician License Requirement
In order to obtain a license in esthetics in the state of West Virginia, individuals must complete a minimum of 600 hours of training at a licensed school. After the training, candidates must take and pass a licensing exam issued by the state’s Board of Cosmetology. Those who pass the exam receive the West Virginia esthetics license shortly thereafter. The state of WV does not accept apprenticeship in place of those training hours. But it may offer licensure through endorsement. Those who wish to transfer their licenses to West Virginia must do so through their home state’s board of cosmetology that issued the original license.
West Virginia Insurance Requirements for Estheticians
Professional estheticians in West Virginia must obtain an individual liability insurance policy. This is because most employers and professional bodies always insist that their employees or members must carry insurance. Salon booth rental providers also require those who want to rent booths in their facilities to carry liability insurance. So, even though it’s not a strict legal requirement, you must buy esthetician insurance policy to be able to practice.
Importance of Having an Individual Esthetician Insurance Policy
As an esthetician in West Virginia, you know the service you provide entails some level of risk. Though these risks might not seem particularly significant, they can lead to multi-million lawsuit – which is not an insignificant thing that you can afford to ignore. You need coverage in place that allows you to provide your expertise with confidence and peace of mind. That’s where esthetician insurance comes in. Even if you are employed or work under a medical professional, you must invest in your own individual esthetician insurance policy. This type of coverage protects you if you are sued by a third party who is injured or whose property is damaged as a result of your work. It covers defense costs and pays claims for which you are legally liable.
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