Cosmetologists Liability Insurance

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 health, wellness, and beauty industry, NACAMS’ licensed professionals are the best protected cosmetologists in the industry.

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 strive to make your clients look and feel their best. Doing so is not only rewarding, but it also means repeat customers and positive word of mouth marketing about your skills as a cosmetologist. However, no matter how much effort you put into pampering and serving your clients so well, it is important to remember the basic black and white facts of business strategy and even the law when you become a professional cosmetologist.

In other words, you may be the best cosmetologist in your whole region, but if you do not have certain fundamental pieces in place for your career and your business, then you are building your business without a stable foundation. A strong foundation for a successful cosmetologist should include liability coverage. In fact, obtaining cosmetologist liability insurance may also be required by law.

The main reason insurance is so crucial is because you really never know when an accident might take place that results in a legal claim against you from one of your clients or another person who somehow suffered harm in association with your business. You can think of cosmetologist insurance as your safety net, there to catch you in case any such legal claim ever becomes a reality.

If you are wondering why you might need the safety net of cosmetology liability insurance, the reason comes in the form of dollars and cents. Legal claims of damage or injury can be quite expensive to settle, and without cosmetologist liability insurance, you will need to reach into your own pockets to pay out possible claims.

There are three main areas of accident or injury that your insurance program should be designed to cover. The first is called general liability, and it refers to situations where a client or other person slips, trips, falls or has some other kind of accident on the property of your cosmetology business.

For example, if there is a small puddle of water near the washing station, and your client slips on it and ends up hitting her head or breaking her wrist, then you may find yourself facing a legal claim to pay for these damages. In scenarios such as this one, the general liability portion of your cosmetologist liability insurance would be called upon to cover the legal expenses.

The other two types of accident or injury that your cosmetology insurance should be designed to cover pertain to damage caused by either you or some kind of product used during the cosmetology appointment. These aspects of your coverage are referred to as malpractice and product liability.

As an example, if you accidentally burned someone with a hot tool during her appointment, she may make a claim of malpractice, which means she believes the burn occurred due to a lack of skill or competence on your part as the cosmetologist. 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.

Hair Styling

  • Chemical wave
  • Children
  • Custom wrap
  • Design, cut and style
  • Flash or balyage highlights
  • Hair bleaching
  • Hair coloring
  • Hair treatments
  • Hairshaping
  • Instruction
  • Permanent wave
  • Shampooing
  • Straightening
  • Thermal styling
  • Waves
  • Weave
  • Wet styling
  • Wig stylist

Esthetics- Nonmedical Care of Skin

  • Acne treatments
  • Body scrub
  • Chemical peel (no lasers)
  • Cold Light Series 6 Facials
  • Color consultations
  • Cosmetic massage
  • Dermaplanning
  • Eyebrow shaping
  • Eyebrow tinting
  • Eyelash Extensions
  • Facials
  • Hair removal (no lasers)
  • Herbal wraps
  • Instruction
  • Make-up (not permanent)
  • Manicures
  • Micro-current Toning
  • Microdermabrasion
  • Pedicures
  • Salt scrubs
  • Skin peels
  • Ultra sonic facial
  • Ultra sound facials
  • Vitamin C peels
  • Waxing

Nail Care

  • Acrylic
  • Airbrush designs
  • Charms
  • False nails
  • Foot scrubs
  • Gel
  • Gems
  • Glitter
  • Instruction
  • Manicures
  • Nail art
  • Nail extensions
  • Nail repair
  • Painting
  • Paraffin pedicures
  • Pedicures
  • Polish
  • Stencil designs
  • Varnish
  • Youth

NACAMS Professional Policy for Cosmetologists

  • Professional & General Liability Insurance:
    $2 million per occurrence,$3 million individual annual aggregate
    Product Coverage: $2 million
    Rental Damage Insurance: $100,000
    Identity Protection Plan
    Stolen Equipment Coverage: $1,000*
  • PLUS Free Professional Website and
    Exclusive Member Discounts
  • Instant Coverage in minutes!
*$250 deductible applies to Stolen Equipment Coverage.

Compare Cosmetology Insurance

Associated Hair Professionals

Salon Spa Professional Trade Association

Health and Beauty Association (NAMT/ former IMA)

Professional & General Liability Insurance
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
$1 Million Per Occurrence
$3 Million individual aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
Occurrence-Form Coverage Yes No No Yes
Product Liability
$2 Million/ occurrence
$2 Million/ occurrence
$1 Million
$2 Million/ occurrence
Rental Damage Coverage
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
$300,000 (Fire and Water only) $100,000
Stolen Equipment Optional—Add $100 $2,000 No $1,000  *$250 deductible
Required CE hours
No No Hours Required for Insurance
Hour Qualification
Yes No Hours Required for Insurance
Identity Protection Plan No $15,000 No $25,000
Annual Fee
$229 – $249/yr
Starts at $159/yr Professional
$25 first-year Student
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information. APPLY NOW   >


Professional & General Liability Insurance
Occurence- Form Coverage
Product Liability
Rental Damage Coverage
Stolen Equipment
Required CE hours
Hour Qualification
Identity Protection Plan
Annual Fee $235 $199 $165 Starts at $159


NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information.

Start Free Quote

Get insured with NACAMS in minutes!

Start Free QuoteClick here to get instant yoga liability coverage or call 8009640158 for more information about our program.

Cosmetologist State Requirements

To become a licensed or certified cosmetologist, one thing is clear: you need to receive an education in cosmetology. However, the type of education you need to receive may differ depending on your current state of residence. While most states will require you to attend an approved beauty school, others will allow you to complete an apprenticeship instead. In addition to training requirements, you also need to be aware of state specific guidelines on continuing education units (CEUs), license renewal periods and fees, license reciprocity or transfer, etc.

Find out if there are any special guidelines that you need to be aware of as you build your career. See State Guidelines