Nail technicians insurance

Business insurance for nail technicians & salons

Nail technicians’ insurance protects you by covering your liabilities. That is, the things that pose a financial threat to you and your business.

Sharp tools, electric machinery, hazardous chemicals, slippery floors... the list goes on when you work in the nail biz.

You’re happy to provide a tip-top service to your clients. So why expect anything less from your insurance?

That means medical bills, legal fees, and compensation all covered if a client claims against you. No questions, no quibbling. A policy that works for you.

• What types of insurance does a nail technician need?

  Businesses with regular, paying clients should protect themselves with professional liability insurance. It covers you if a client sues you for damages over how you’ve done your job. So it protects your finances and your reputation.

  General liability insurance (GL) is for accidents in your place of work, whether that’s in a salon, at a client’s home, or on your own premises. It covers compensation and repair or replacement costs if someone’s injured or their property’s damaged. And it covers things like slander and copyright infringement, too.

  Remember, you can add business personal property insurance to your GL policy. It’s essential cover for mobile manicurists as it pays to repair or replace your tools and equipment if it gets lost, stolen, or damaged during working hours.

  And if you have employees, you must have workers’ compensation insurance. It’s the law in most US states as it protects your workers if they get sick or injured.

  Read more on nail technicians’ insurance for the full picture on what you might need.

• Who needs nail technicians’ insurance?

  Pretty much anyone who works in nail care needs it.

  Wherever you operate, however you work, you’re around tools and chemicals that could seriously harm someone or damage their property. And in some scenarios, spark claims against you.

  With that in mind, nail technicians’ insurance covers all types of nail technicians: whether they work from home or travel to clients’ premises; own a salon, or rent a booth in one.

  And if you’re planning to rent in someone else’s salon, you might be obliged to buy liability insurance before you sign the lease. Because you fly solo, you’re responsible for your own affairs. That includes arranging your own insurance cover.

• Do mobile nail technicians need insurance?

  Yes. Being mobile doesn’t make you immune to client claims. You might have more freedom and fewer overheads, but you face the exact same risks as a nail salon.

  In fact, you might need it more. Because you visit clients in their homes, you have to consider the consequences of accidental damage and injury.

  A nail varnish spill on an antique rug... a smashed-to-pieces Ming vase... not to mention your client could hurt themselves (by tripping over your extension cable, for example) and sue you for their medical fees.

  Without mobile nail technician insurance, you’d have to make good on whatever claims your clients throw at you. So, best make sure you’re covered. It’s a straight-up case of better safe than sorry.

• What does nail technicians' professional liability (E&O) insurance cover?

  A professional liability (or ‘errors and omissions’) policy covers you for claims you’ve made a mistake or done something wrong. Even if there are no grounds for that claim.

  Could be a client accuses you of filing their nails down to the bone, causing them emotional distress and bodily injury.

  Or, you lose a file containing sensitive customer data. Next, you have a batch of customers complaining and several lawsuits on your hands...

  With nail technicians’ professional liability insurance, your legal fees and compensation are covered. Whatever the outcome, whoever’s at fault, your business’s finances won’t suffer.

• What does nail technicians' general liability insurance cover?

  General liability insurance covers claims where you (or one of your employees) accidentally cause someone injury or damage their property. A painful slip with a nail buffer, or nail varnish remover spilled over a client’s designer dress, for example.

  It also covers claims of slander, libel, and copyright infringement. Like accusations you’ve bad-mouthed a client or copied a rival salon’s advertisement.

  A GL policy won’t apologise for you, but it will help to appease any injured parties. It can cover their medical bills, as well as the cost of repairing or replacing anything that’s damaged.

  And if the case doesn’t go your way, it can cover your defense costs and compensation. That way, everyone’s taken care of.

• How much does nail technicians' insurance cost?

  How much you pay for your nail technicians’ insurance depends on several factors. What policies you buy, how much cover you choose, and how many people you employ, for example.

  Grouped together policies often work out cheaper. A business owners’ policy (BOP) bundles together general liability and property insurance plus add-ons. And because it acts as one policy, it’s easier to manage too.

  Call us if you’d like to discuss your options with us. We’re happy to offer our help and expertise.

What other kinds of insurance do nail technicians need?