Hair Stylist Liability Insurance
Excellent-rated on independent reviews site, TrustPilot. Buy a NACAMS liability insurance policy that covers hair stylists & barbers across the U.S. for just $0.49/Day paid annually.
Portable Coverage Across The U.S.
Safe and Secure Online Application
Industry Preferred Occurrence-Form Coverage
500+ modalities covered including hair consultations
What is Hairstylist Liability Insurance And How Much Does It Cost?
Hairstylist insurance safeguards you from paying out of pocket on lawsuits or liability claims alleged against you even if you are not at fault. Although liability claims may not be top of mind when starting your career in beauty, the nature of working closely with clients and using various instruments or products introduces inherent risks that you ultimately may not be in control of. These risks can make you liable if an unfortunate incident occurs, highlighting the importance of having insurance as a hairstylist.
Insurance Policy Rates
Get insured instantly at the rate you see below! We want to make sure you know what you will be paying from the beginning.
Professional 1-Year
$179
professional 2-year
$329
Customer Reviews
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
What's Included In A NACAMS Liability Insurance Policy?
NACAMS’ hairstylist insurance covers professional and general liabilities like malpractice & slips and falls, claims of slander and libel, identity theft, and additional coverages.
General Liability
General liability is an essential part of beautician insurance. General liabilities are occurrences that are not directly related to your work as a hairstylist. This would include incidents like slips, trips, and falls.
Example: You just finished washing a client's hair and as they stand up to move to your station, they slip on some water causing them to fall down and hit their head. They need immediate medical attention, and you call an ambulance to take them to the hospital to treat their injuries. The client later files a claim claiming negligence. You could be held liability to pay for their medical bills and more.
Coverage Details
Professional Liability
While general liability refers to claims that are not directly related to your occupation, professional liability refers to claims that are a direct result of your profession as a hairstylist. Professional liability claims would include injuries such as burns, cuts, and other related incidents. As your profession involves the constant use of sharp objects and equipment that uses heat, there is ample opportunity for an accidental injury.
Example: You are giving a client a trim when a sudden shift of their head causes you to fumble a bit and accidently cut your client’s ear. The cut is deep, and they need to go to an urgent care center where they have to have stitches. Once your client has received treatment, they contact a lawyer and sue you for the cost of their medical treatment, their lawyer fees, and the pain and suffering caused by the injury. Without insurance you would be paying out of pocket. With professional liability hairstylist insurance, the policy would help cover the expenses of the liability claim.
500+ Modalities Included
Dual-practitioners are welcome. Do you offer hair cuts and eyebrow waxing? Both of your services would be covered under the same policy.
Access over $700 in member benefits discounts and savings such as up to 25% of Hertz, up to 75% off Office Depot, and so much more.
Instant Certificate Of Insurance
There is no quote process. Purchase online or over the phone and you are instantly protected. Access your free certificate of insurance (COI) directly in our member portal.
Insurance Marketplace
Access affordable health, vision, and dental care, and enjoy the convenience of Telehealth- for just a $10 copay.
What Does NACAMS Hairstylist Insurance Cover?
- Massage
- Cosmetologists
- Pilates/Dance
*Coverage for Yoga Therapy is only available for those professionals who (1) provide a client information document to their clients explaining the nature and extent of the services being provided, and (2) understand and communicate to their clients that Yoga Therapy is not a licensed healthcare profession in the state or jurisdiction in which they practice.
Why Choose NACAMS Insurance?
Insurance for hairstylists is something every beautician should have in their back pocket. Not only does it protect your financial assets, but it gives you the confidence to know that you are covered should something go wrong.
Policy perks include:
- Professional website: NACAMS will help you develop a free professional website where you can advertise, engage clients, and promote your services.
- 1 month free of online therapy with a licensed therapist
- 25% off the base rate with Budget rental cars
- 25,000 Identity fraud protection
Cost of Insurance for Hairstylists
As an investment in your career, insurance for hairdressers is a valuable asset. We offer several different payment options for the same fantastic coverage. On our professional policies, you have the option to pay a lump sum or in monthly installments over 12 months. These payment options include:
PRO One Year
$179/YR
You can choose to have coverage for one year at a time.
PRO Two Year
$329/2 YRS
Save time and money by purchasing two years' worth of coverage.
STUDENT One Year
$60/YR
Even if you are still learning your skills as a student, you could be held liable for an unfortunate accident.
Get Instant Coverage Today
Insurance for hairstylists is something every beautician should have in their back pocket. Not only does it protect your financial resources, but it gives you the confidence to know that you are covered should something go wrong.
Get covered in under 5 minutes and know that NACAMS has your back for any liability claim.
Hairstylist Insurance FAQs
One of the best things about working with NACAMS for your stylist liability insurance is the flexibility of our multiple plan options. We offer the same outstanding coverage for each policy but tailor each plan to fit your career and goals:
We offer professional liability insurance plans starting at $179 for 12 months of coverage.
Career hair stylists also have the option to choose a two-year plan starting at $329 for 24 months of protection.
Students enjoy special pricing of just $60 for 12 months of coverage. Student plans offer the same coverage as the professional plans but with a significant discount to help you out.
A hairstylist liability insurance policy from NACAMS includes a wide range of coverage to surround you with a shield of protection as each policy provides everything a hair professional needs to feel confident in their coverage so they can focus on their clients.
NACAMS hairstylist insurance policy includes:
General liability insurance to protect you from non-profession risks, like slips and falls.
Professional liability coverage to defend against mistakes, errors, and omissions.
Personal injury and advertising coverage to protect against non-physical injuries, like psychological damage or a harmed reputation.
Identity theft protection plan to keep your personal information safe.
A wealth of members benefits like discounts on top products, services, and more.
With all this coverage, we mean it when we say your liability insurance plan has everything you need to protect yourself and your career. Buy a policy and get insured today!
When you register for a NACAMS policy, your coverage is active and applicable from the moment you submit your application and payment.
However, your hairstylist liability coverage isn't the only thing that activates immediately when you register. You also get instant access to our incredible member benefits package. Use your benefits immediately for discounted rates, special services, and resources to help you thrive in your business. Enjoy instant coverage and benefits when you become a NACAMS member today.These days, hair professionals are busier than ever. You shouldn't have to spend the whole day on the phone with your insurance company just to get coverage. We make applying for hairstylist liability insurance 100% online easy and convenient. Buying a policy can be completed in less time than it takes to rinse out shampoo. Seriously, it's that fast.
Furthermore, your member’s portal enables you to file claims, check your status, or renew your policy in a flash.
Of course, if you need to contact our team, we can be reached at 800-964-0158. You'll speak with a real person who can help with your questions and claims or direct your call. We are happy to assist with whatever you need.
NACAMS includes portable coverage, so you don't have to worry about where the road takes you. Your coverage goes with you anywhere in the U.S. But if you move across state lines, we recommend checking out the state requirements for professional hairstylists. By checking your state requirements, you can ensure you're not caught off guard by a technicality or legal requirement for your new home.
We aim to equip hair professionals with everything they need to thrive and accomplish their professional goals. Each policy includes a wealth of member benefits to help stylists on their journey. A few of our benefits include:
Discounts on business services
Access to affordable healthcare options
Discounts on equipment and supplies to run your business
Membership discounts on everyday business expenses, like travel and hotels
A free professional website to advertise your services and reach new clients
Life insurance plan options
Identity fraud protection
Convenient member portal access
So much more!
Our members are treated like royalty with all these perks and resources at their disposal.
Now more than ever, online data fraud and identity theft are genuine threats faced by professionals in every industry. For many stylists, social media, online banking, or business websites are essential to their careers. Protecting yourself from stolen data is critical in this day and age. Although it's a relatively new concept in the insurance space, we believe it is a priority for any beauty professional. As a NACAMS member, you can enjoy total confidence that we protect you from every angle, even your online data.
When your policy closes, simply renew it through our convenient online portal. You'll have the opportunity to update new information, extend your coverage, add additional insureds or change your policy during renewal. The best part is you can do it all online in just a few minutes. No need to stress about losing coverage or spending countless hours on the phone - we have you covered and save you time.
NACAMS members enjoy portable coverage that travels with them wherever they go. For mobile hair care professionals, your policy is tied to you, not your location. With the flexibility to move where you need and go where the wind calls, your possibilities are nearly limitless.
Portable coverage also means you can work from any location, even a client’s home.
Some of the most common claims we've seen are related to general liability risks. These incidents often occur due to a workplace environment issue, like a wet floor, tripping hazard, or bad reactions to a product.
Other common examples of typical claims could include professional errors, like burns, cuts, or punctures. These can occur when a hairstylist is distracted and makes a mistake or a client suddenly reacts and gets injured.