Welcome to Cosmetology Insurance Plus
NACAMS represents America's 600,000+ cosmetologists, providing professional tools, public education, cosmetologist liability insurance, and issue advocacy.
With 25 years of trust in the Complementary and Alternative Medicines industry, NACAMS licensed professionals are the best protected cosmetologists in the industry.
• Professional Liability Insurance (Malpractice)
•General Liability Insurance (Trip and Fall)
• Product Liability Coverage
• $2 Million Per Occurrence
• $3 Million Annual Aggregate Coverage
• $2 Million Product Aggregate Coverage
• $100,000 Rental Damage Coverage
• INCLUDES $25,000 Identity Protection Insurance
• INCLUDES $1,000 Lost/Stolen Equipment Coverage
• FREE Business Web site - Learn More
• FREE Newsletter
• Vendor Discounts
• Quik App - Instant Coverage!
As a working cosmetologist, you get up close and personal with your clients on a regular basis. Whether your primary skill is providing aesthetic support or creative skills, there is a reason you need cosmetology insurance.
You see, each of these different skill sets involves very close work with a client and his or her body. That means you may need liability insurance more than folks who make their living in a more hands off manner. After all, one of the main purposes liability insurance serves is to protect you against a client’s claims of damage or injury, whether the damage or injury is allegedly due to a lack of skill or competence on your part or due to a product you used on your client.
The two forms of protection described above are malpractice insurance and product liability insurance, both of which should be included in a strong cosmetology insurance policy. With this kind of coverage, you will be protected against those rare situations when a person might sue you for damage or injury.
Even though these occurrences are fairly rare, they are far from nonexistent. This is why cosmetologist insurance exists in the first place. Much like automobile insurance, it is there to cover you when an accident—or an unexpected claim—takes place.
Cosmetology Industry Facts
• According to the U.S. Bureau of Labor Statistics, approximately 48 percent of cosmetology workers are self-employed.
• Employment is expected to grow much faster than the average for all occupations.
• Many full-time cosmetologists put in a 40-hour week, but longer hours are common, especially among self-employed workers.
• Most of these workers are employed in personal care services establishments, such as beauty salons, barber shops, nail salons, day and resort spas.
Major Cosmetologist Insurance Disciplines Covered:
• Designcut and Style
• Full Weave
• Color First Time
• Flash or Balyage Highlights
• Permanent Wave
• Custom Wrap
• Partial Wave
• Hair Coloring
• Wig Stylist
• Hair Treatments
• Wet Styling
• Thermal Styling
• Hair Bleaching
• Chemical Waving
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