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Nail technician insurance

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.

Quote online in less than 2 minutes

Treatment and professional liability
from £8.90 a month

This all-in-one cover for nail technicians includes:

Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or dishonesty
Liability - for physical damage and injuries caused by your business and the products you supply

Can’t see what you need? Call us on and we’ll talk it through.

add Portable equipment
£4.48 a month
£5,000 to replace business equipment
Based on an annual income of up to £25,000. All prices include IPT at 12%. Quote online for turnovers up to £500,000, or call and talk to an expert.
Nailed-on protection for your business

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 payout, 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.

Who needs nail technicians’ insurance?

Creating beautiful nails takes time and practice. Whether you offer manicures, pedicures, a simple polish or extravagant acrylics, and 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:

  • nail technician
  • mobile nail technician
  • nail salon owner
  • beauty salon owner
  • nail bar owner
  • manicurist
  • self-employed nail technician
  • student or trainee nail technician

What types of insurance does a nail salon need?

Your salon is a sanctuary to those who visit it. But if something goes wrong, it could cost you your business.

Treatment and professional liability insurance (also known as medical malpractice insurance) covers you against allegations of pain or injury. 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 professional liability insurance pays for your legal defence and any compensation awarded.

But if a client trips over a trailing wire in your salon, falls and breaks their wrist, you'll want public liability insurance to fight your corner. 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.

Do mobile nail technicians need insurance?

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. That's where you'll need treatment and professional liability (also called medical malpractice) insurance to cover your legal costs and any compensation claims.

Being mobile also means visiting clients in their own homes. And accidents can happen - 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. That's where your public liability comes in and covers costs and compensation.

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.

How much does nail technician insurance cost?

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 professional 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.

Add a top coat of public liability for slips, trips and accidents, and you’ve got a perfectly manicured package that costs from just £13.38 a month.

Why should I buy my nail technician insurance from you?

Because we're business insurance specialists - we know our stuff, and we can advise you on what you need too (not all insurers can).

We're digital, so you can get a quote and buy your insurance in just a few clicks. Online also means documents delivered straight to your inbox.

But, we're real people, and we have a real office, so if you want to call, our experts are ready and waiting. We don't have a call centre or a phone menu either. We like to keep things simple.

Oh - and we have some great little add-ons. We give you free stuff, including an "I'm insured" badge for your website and a cash bonus each time someone you’ve recommended us to buys a policy.

Check out our customer feedback if you want a second (or third, fourth, or fifth) opinion.

What our customers say...
I needed advise and help on something at the very busy time just before Christmas, therefore assumed the response would be slower than normal. I had answers almost immediately and massively helpful. Thank you.
Beauty & Complementary Therapies
17 January 2022
Just so simple and straightforward. Applied online and needed to speak to a person - hassle free. Highly recommend.
Complementary therapy
17 January 2022
Knowledgeable staff, professional, clear easy to use service and quick set up, cost effective. Meets all my insurance needs for my business.
Complementary therapy
30 December 2021

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0345 216 0027
Catherine Roberts
Account Executive
Sarah Adams
Sales Team Leader
Yasin Akdemir
Account Executive
Sian Adams
Account Executive
Zoe Langford
Account Executive