A client filing a claim for professional negligence or bodily injury can take the shine off your excellent reputation and chip away at your bank balance. Protect both with nail technician insurance.
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This all-in-one cover for nail technicians includes:
Malpractice – for physical or mental injury, illness or death of clients caused by your negligence or error.
Public liability – for physical damage and injuries caused by your business or the products you supply.
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You're an expert at shaping and styling your clients' nails, but you might need help to smooth out a solution if things go wrong. That's where nail technician insurance comes in.
Giving clients the perfect finish is an art, but accidents happen. A client has an allergic reaction to a product, or you spill acetone over their designer handbag, and they can make a claim. That could mean a compensation pay out, legal fees to pay and a ruined reputation to put right.
Nail technician insurance helps if you're out and about or based in a salon or spa. If something goes wrong, it pays your legal costs, any compensation awarded, and any damages you owe.
So if the finger of blame points in your direction, you can carry on running your business stress-free.
Creating beautiful nails takes time and practice. Whether you offer manicures, pedicures, a simple polish or extravagant acrylics. Whether you work at home, in a salon, or a spa, protecting your business is vital.
If a client claims against you, nail technician insurance will protect your business and your bank balance if you're a:
Your salon is a sanctuary to those who visit it. But if something goes wrong, it could cost you your business.
Treatment and public liability insurance is a combined product that covers two types of claims:
Allegations of negligence or error. If a client has an allergic reaction to their shellac nails or you accidentally split a nail, they can claim against you. Your treatment and public liability insurance pays for your legal defence and any compensation awarded.
Accidental damage or injury. Say a client trips over a trailing wire in your salon, then falls and breaks their wrist. It'll cover legal costs and pay any compensation due too.
Replacing your furniture and equipment if there's a break-in, fire or flood won't be cheap. Contents and equipment cover will get you up and running again, cover the repair costs, and replace anything damaged.
Do you have a website or use emails? And do you hold customer data electronically? It doesn't matter how big or small your company is. You could be at risk. Cyber insurance helps get you sorted if you have a data breach or a cyber-attack.
And do you employ anyone? It’s a legal requirement to have employers' liability insurance if you do - even if your staff are temporary or part-time. You can be fined £2,500 for each day you don't have the right cover.
As a mobile nail technician, insurance will cover you if something goes wrong with a treatment. If a client has a reaction to one of your products, or you accidentally injure them, they can claim.
If you work by yourself, you're the one who's responsible. So you'll need treatment and public liability insurance to cover your legal costs and any compensation claims.
Being mobile means visiting clients in their own homes. And accidents can happen anywhere - you won’t mean to spill acetone on your client's carpet or drop the bright red polish on their brand-new white sofa. Oops. Luckily, treatment and public liability insurance has you covered there too.
And then there's your equipment. Your UV light, tools, polishes, brushes etc., all cost money. If something gets damaged or stolen, portable equipment insurance pays to repair or replace it quickly and keeps you working.
That depends on what cover you want, and how much. The more nail technician insurance you buy, the higher your premium will be.
As a base, treatment and public liability insurance is a good starting point. When you’re thinking about how much insurance to get, think of the worst-case scenario. And how much it will cost to put it right. There’s compensation and legal costs to consider - and they can run into the thousands.
Add to that salon or portable equipment insurance. When you’re thinking about how much cover you need, it’s a good idea to write an inventory of your business equipment. Make sure you don’t miss anything as you don’t want to be underinsured.
Because we're business insurance specialists - we know our stuff, and we can advise you on what you need too (not all insurers can).
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