Nail Salon Insurance
Specialist cover for nail salon businesses from £6.45 per month.*
- Public liability for nail salons
- Flexible payment plans at 0% APR
- Join over 180,000 customers**
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From only £6.45* per month
What does nail salon insurance cover?
Nail salon insurance is designed to protect nail bars and traditional nail salons against the everyday risks that come with delivering hands-on nail services.
It includes essential liability cover to protect your business if a client or member of the public is injured, their property is damaged, or a nail treatment you provide results in a claim. Cover also extends to the tools, equipment and stock your salon relies on, with optional extras available so you can tailor protection to the way you work.
We understand that nail salons operate in fast-paced environments, often with multiple clients, technicians and workstations in use at once. That’s why nail salon insurance is built around the practical risks of manicures, pedicures and nail enhancements, helping protect your business if something unexpected happens.
Whether you run a busy high-street nail bar, a boutique nail studio, or manage a team of technicians, nail salon insurance gives you confidence that your business is financially protected.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Equipment & Stock
Employers' Liability
Personal Accident
Public liability, professional treatment & product liability
- Up to £5 million of cover
- Protects your nail salon if a client or member of the public is injured or their property is damaged as a result of your business activities
- Includes incidents arising from nail treatments, such as cuts, burns, allergic reactions or accidental spillage during manicures, pedicures or nail enhancements
- Covers liability for nail products sold or supplied as part of your services, including polishes, gels, acrylic systems and aftercare products
- Includes liability under the Defective Premises Act 1972 (up to £1 million)
Employers Liability
- Up to £10 million of cover.
- Covers claims from employees who suffer an injury or illness arising from employer negligence.
- Requires details of all staff, including roles such as qualified therapists, trainees, or administrative team members.
- Legally required for salons employing staff—whether full‑time, part‑time, or voluntary.
- Does not include professional instruction or teaching (Professional Indemnity is not included).
Property Damage
Cover for accidental loss or damage to your salon’s physical assets, with protection across several key areas:
Equipment away from premises
- Covers portable business equipment used off‑site, ideal if staff occasionally work at events or external locations, against damage or theft within territorial limits.
Glass
- Covers fixed salon glass, including decorative designs, signage, and protective fittings.
Stock in trade
- Protection for salon stock used or sold as part of your services, such as skincare, nail products, or retail lines.
Business Content
- Covers furniture, fixtures, tools, computer hardware, and employees’ personal effects (up to £500 per person).
- Excludes jewellery, furs, money, and motor vehicles.
Tenant improvements
- Covers improvements you’ve made to a rented or leased space that you are contractually responsible for—such as flooring, built‑in units, or fixed treatment stations.
Buildings
- Includes the buildings of the insured’s business premises where the insured is responsible, including shop fronts, landlord’s fixtures and fittings, fixed sanitary ware, and associated external features.
Money, Assault, Employee dishonesty
Money
- Protection for loss or theft of business money under defined limits (e.g., £2,500 for transit or safe storage).
- Cover applies at the premises, in transit, at employees’ homes, and in vending machines.
Assault
- Provides financial support if you or a team member is injured due to a robbery or attempted robbery.
- Includes a £10,000 capital benefit and £100 weekly benefit for temporary total disablement.
Employee Dishonesty
- Covers up to £5,000 for losses caused by dishonest acts of employees involving money or property.
Business interruption
- Protects your salon’s income following disruption caused by an insured Property Damage claim.
- Up to £500,000 Loss of Income (up to 24 months).
- £10,000 Increased Cost of Working to help keep operations running.
- £2,000 Book Debts if outstanding client or supplier payments cannot be recovered.
Cover may be triggered by:
• property damage
• utility or internet failure
• denial of access
• public authority restrictions
• supplier failure
• loss of attraction
Not available online for nail salons with annual turnover above £250,000 (underwriter review required).
- Teaching, training or professional instruction
- Damage to third-party property not connected to your nail salon’s business activities
- Property damage where required security or safety conditions are not met
- Premises left unoccupied for more than 7 consecutive days
- Storage of highly flammable or hazardous substances
Certain exclusions may apply under each cover section as defined in the policy wording, please refer to policy documentation.
What types of insurance do nail salons need?
Running a nail salon isn’t just about delivering great manicures and pedicures, it’s about protecting your clients, technicians, premises and income.
Even with strict hygiene and safety procedures, unexpected incidents can occur. A client reaction to a nail product, a slip on the salon floor, or damage to specialist equipment could all result in costly claims or lost trading time.
Specialist nail salon insurance helps protect your business against these risks, giving you confidence that you’re covered if something goes wrong.
Below are some of the key types of insurance nail professionals should consider:
When a treatment or product leads to a claim
Nail treatments can affect clients differently. A customer may experience an allergic reaction, irritation or believe a nail product or service caused harm.
Professional treatment and product liability cover helps protect your nail salon if a claim is made, covering legal costs and potential compensation so a single incident doesn’t threaten your business.
When accidents happen in your nail salon
With multiple workstations, tools and clients in use at once, accidents can happen. A slip, cut or damaged personal item could quickly turn into a claim.
Public liability insurance protects your nail salon if a client or visitor is injured or their property is damaged during their visit.
When your nail salon or equipment is damaged
Your workstations, pedicure chairs and nail equipment are essential to keeping your salon running. Fire, flood, theft or accidental damage could prevent you from operating.
Property damage and business interruption cover can help repair or replace essential items and protect your income while you recover.
Protection for staff incidents in the workplace
If you employ nail technicians or support staff, you’re responsible for their wellbeing at work. An injury or illness linked to employer negligence could result in a claim.
Employers’ liability insurance protects your nail salon in these situations, while optional cover for money loss, assault and employee dishonesty provides added financial security.
Our experts explain why...
“Our nail salon policy has been designed to provide strong financial protection if, while delivering nail services, you unintentionally cause injury to a client or damage their property, or that of a third party. We recognise that nail salons operate in many different ways, from single-chair salons and home-based studios to businesses employing staff or working with self-employed nail technicians.
This policy has been developed and refined over time to reflect the day-to-day risks associated with running a nail salon. In addition to essential liability cover for treatments provided, it can also protect your specialist salon equipment and offer support if you are injured while carrying out nail services, including cover for loss of earnings and related costs.”
Mandy Czyz – Senior Underwriter, Protectivity
How much does nail salon insurance cost?
At Protectivity policies for nail salons start at just £6.45 per month *.
The cost of insurance for nail salons can vary depending on the level of cover you need. For example, if you use specialist equipment in your training you may need to increase the value of cover.
Prices from
£6.45* a month
Explainer quote
Policy cost
£6.45* a month
Policy type
Nail Salon Insurance
Turnover
Up to £250,000
Public Liability for Professional Treatment
£2,000,000
Product Liability
£2,000,000
This example is based on a real quote from our website on 23/03/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your nail salon insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Is nail salon insurance a legal requirement in the UK?
Nail salon insurance is not a legal requirement in the UK if you work alone. However, it is strongly recommended to protect you and your business from potentially significant financial losses. Having insurance also reassures clients, enhances your professional credibility, and is often a requirement if you work within an established salon or take on contracts.
Please note: Employers’ Liability insurance is a legal requirement if you employ staff or hire temporary workers.
Do I need insurance if I am self-employed or rent a chair in a salon?
Yes. Even if you are self-employed or rent a chair within another salon, you are responsible for your own work and any claims that may arise from it. Most salons will require you to provide proof of insurance before allowing you to operate on their premises. Your policy protects you independently, regardless of where you work.
Does my policy cover me for treatment risks?
Yes. Your policy includes public liability insurance with professional treatment risk, which covers you for claims arising from the nail treatments you are qualified to provide. This includes protection if a treatment you carry out causes accidental injury or damage to a client or their property.
Am I covered if a client has an allergic reaction to a gel, acrylic, or polish I have applied?
Yes. If a client experiences an allergic reaction because of a treatment you have performed, this is covered under public liability for professional treatment risks, provided you are qualified to carry out that treatment.
If you sell nail products for clients to use at home and they suffer a reaction, this may also be covered under products liability, protecting you against claims relating to products you supply.
Are my tools, UV/LED lamps, and stock covered if they are stolen or damaged?
Yes. Your policy includes equipment and stock cover, starting from £250, with the option to increase cover up to £12,000. Items under three years old are covered on a new-for-old basis, meaning if they are damaged beyond repair, they will be replaced with a brand-new equivalent.
This cover applies whether equipment is damaged, lost, or stolen while you are working on-site or on the move.
What is Employers’ Liability insurance and do I need it?
If you employ staff or use temporary workers, Employers’ Liability insurance is legally required. It provides cover if an employee suffers a work-related injury or illness and makes a claim against you. The policy offers up to £10 million in cover, helping protect your business from significant legal and compensation costs.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 23/03/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data