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**

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From only £3.44* per month

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

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.

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Public Liability

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Equipment & Stock

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Employers' Liability

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Personal Accident

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

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

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.

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Help & Support

Find answers to your questions and other assistance.

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.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

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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

ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.

¹Based on live Feefo data