Nail Technician Insurance
Specialist cover for nail technicians from £3.44 per month.*
- Public liability cover up to £5 million
- Flexible payment plans at 0% APR
- Join over 150,000 customers**
From only £3.44* per month
What does nail technician insurance cover?
Our insurance for nail technicians includes essential liability cover to protect you against unforeseen incidents. You’ll find public liability, equipment and stock cover included, along with specialist extras you can customise to match your services. Depending on your business offerings, you can choose from various levels of cover, ensuring you only pay for what you need.
We understand that mobile nail technicians face unique risks, particularly when working in clients’ homes. That’s why our insurance for nail technicians includes special considerations for mobile work. One of the key features is coverage for accidental damage to clients’ property. For instance, if you accidentally spill nail polish on a client’s carpet or damage their furniture, your insurance can help cover the costs of repair or replacement.
Whether you’re self-employed working in a salon, or a mobile nail technician, our nail tech insurance provides financial protection should an incident occur that results in a claim against you.
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
- From £2 million to £5 million of cover.
- Protection from claims by a third-party who gets injured during an appointment or has their property damaged.
- Cover for the professional treatments you provide including protection if a treatment you perform causes injury or damage.
Equipment & Stock
- From £250 worth of cover included.
- Add up to £12,000 worth of cover at an additional cost.
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Treatments you are not qualified to do.
- If a customer dislikes their treatment.
- Treatments and activities performed overseas.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need nail tech cover?
Your clients rely on your creative expertise and seek a personalised experience. Despite your best efforts, things can go wrong and potentially lead to a claim against you.
Specialist nail technician insurance provides the confidence and security you need to offer your services, knowing you are protected if a claim is made. Although you might consider it a low-risk profession, there are common scenarios that demonstrate the importance of having nail tech insurance:
Cover against claims if a client suffers damage to their property.
Whilst the probability of injury to a client or a member of the public is low, you might damage an expensive item of clothing with nail products.
Public liability insurance for nail techs will protect you from claims if damage is caused or a client sustained an injury whilst in your place of work and holds you accountable.
A client suffers a reaction from a product you sell them.
As a nail technician, you might be selling some products to your customers so that they can use them by themselves. However, if they suffer an allergic reaction to those products – to the point where they suffer a financial loss, such as taking time off work – you will be liable for a claim as the vendor.
Products Liability insurance can cover you for claims of this nature, across certain items that you sell.
Avoid costly nail tech equipment repairs and replacements.
You may have invested in expensive nail tech equipment for your business. This might get lost, whilst providing treatments on the road. Alternatively, items could get damaged if you store them in a premises you work at.
Equipment cover for nail technicians can avoid costly replacements in case your equipment is lost, damaged or stolen.
A salon requires public liability for contracted Nail Technicians.
If you are contracted by salon or spa to provide your nail tech services. Having suitable public liability cover will likely be a minimum requirement.
Our experts explain why...
“Our nail technician policy is designed to protect you financially, should you accidently cause an injury or damage your customers property or the property of another party. We cater for freelancers and those people that do not have their own premises they manage themselves, a lot of our customers work for other companies as contractors, we can also cater for those people that do home visits. We have built our policy over the years, to not just protect you from incidences that you could be liable to pay damages but also for your specialist equipment and even to cover you should you have an accident when providing nail tech services, so you can claim for loss of earnings and much more.”
Chris Trotman, Protectivity Underwriting Manager
How much does nail tech insurance cost?
The cost of insurance for nail technicians 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.
At Protectivity policies start at just £3.44 per month *.
Prices from
£3.44* a month
Explainer quote
Policy cost
£3.44* a month
Policy type
Nail Technician
Turnover
Up to £50,000
Public Liability
£2,000,000
Product Liability
£2,000,000
Equipment & Stock
£250
This example is based on a real quote from our website on 1/10/2024. 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.
What treatments are covered by our nail technician insurance?
Our insurance for nail technicians covers a wide range of standard nail treatments.
For professionals who offer make-up services alongside nail treatments, our policy provides coverage for these activities as well.
It’s important to note that proper qualifications are required for these services to be covered under the policy.
Nail treatment
- The application of nail extensions and various nail coatings.
- Nail art services.
- Nail care services like cutting and shaping nails.
- The use of nail files, clippers, forms, cuticle pushers, scissors, and brushes.
- The use of acetones and nail polish removers.
- The use of electrical equipment such as LED nail lamps, nail drills, soakers, and buffers.
Make-Up treatment
- The application of various make-ups and semi-permanent pigmentations.
- The application of false eyelashes and semi-permanent eyelash extensions.
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 technician insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 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
What should I do if a client has an allergic reaction to a product I’ve used?
First, ensure the client receives appropriate medical attention. Then, contact Peach PI on 0330 3141 592 as soon as possible to report the incident. Your policy may cover claims arising from such situations, provided you’ve followed proper procedures like patch testing.
Do I need to inform the insurer if I get new qualifications or start offering new treatments?
Yes, it’s important to keep us updated about any changes to your qualifications or the treatments you offer. This ensures you’re properly covered for all your activities.
Am I covered if I accidentally damage a client’s property while working?
Yes, the public liability portion of the insurance typically covers accidental damage to client property. This is particularly important for mobile technicians working in clients’ homes.
Does the insurance cover me if I work from home?
Yes, our nail tech insurance is designed to cover you regardless of where you work – at home, in a client’s home, or in a dedicated salon. The coverage is tied to you and your business activities rather than a specific location.
How much is nail technician insurance?
The cost varies depending on the level of cover and your circumstances. Policies typically start from around £40 per year but can be more if you add optional coverages.
Do nail technicians need insurance?
Yes, insurance is important for nail technicians. Without proper coverage, your business would be responsible for legal costs and compensation if a client takes action over an incident before, during, or after a treatment.
What qualifications do I need to buy nail technician insurance?
As a nail technician seeking insurance coverage, you must hold relevant qualifications from industry-recognised course providers. This requirement applies to all insured activities and treatments that you offer in your practice.
It’s important to note that not all types of qualifications are accepted for insurance purposes. Specifically, remote learning qualifications, such as those obtained through internet-based courses, are not recognised under our policy. We believe that hands-on, in-person training is essential for developing the skills necessary to perform nail treatments safely and effectively.
While we don’t typically ask for proof of qualifications when you purchase your policy, it’s crucial to maintain accurate records of your certifications. In the event of a claim, you may be asked to provide evidence of your qualifications. This helps us ensure that all covered treatments were performed by a properly trained professional. Keeping your qualifications up to date and readily accessible can help streamline the claims process if the need arises.
Do you need to see my nail tech qualifications or certificates?
We do not need to see proof of your qualifications for you to be able to take out our insurance. We do, however, require you and any employees to hold the relevant qualifications or certificates for the services you are providing. Please note, that we do not accept qualifications that are obtained by a method of remote learning (e.g. internet-based training courses).
If you need to make a claim on your policy then we may request to see these documents. Should we discover that you are not qualified to carry out the insured activities, we may reject your claim.
Are my nail tools & equipment covered?
Yes, up to a value of £250 (£75 excess) as standard. Should you require a higher level of cover because the value of your equipment exceeds £250, you can increase your cover during our online quote form.
Am I covered to work from home as a nail tech?
Yes. Our policy is designed to cover freelance and mobile nail technicians. Any policy that you take out will cover you and your business, as opposed to a specific address. This means that you’re covered regardless of whether you are working at home, in a client’s home or within a dedicated nail salon.
Can you cover me to do treatments abroad as a nail tech?
No, our policy is designed to cover anywhere within the United Kingdom, Northern Ireland, Channel Islands, or the Isle on Man. There is no overseas cover available.
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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 01/10/2024. 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 Sep 2024
¹Based on live Feefo data