Nail technician insurance
The business of beautifying nails involves some sharp tools. Take the edge off potential scrapes with customisable insurance for salon owners and self-employed nail technicians.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
Nail technician insurance quote
What does insurance for nail technicians cover?
Working closely with clients on a daily basis makes public liability insurance an essential cover for nail professionals and salons. A slip on a freshly cleaned floor – or a missing handbag – could result in a claim against your business. Depending on your setup, you may want to consider a number of other covers too.
10% of nail technicians paid £5.51 a month or less for their Superscript business insurance between January and March 2023.
- Choose from £1m, £2m, or £5m public liability cover
- Pick and choose the covers you need
- Tweak your policy any time, with no fees
- Hassle-free claims and UK-based support
What does public liability cover?
Injury
Beautifying nails involves sharp tools and constant contact with clients - a pretty risky combination! An accidental slip of a sharp tool could land you with an expensive claim. Public liability covers legal and compensation costs arising from accidental injury caused by your business activities.
Damage or theft
If a client's property is damaged or stolen at your salon or workplace, you could be liable for the cost of repairing or replacing it - even if it wasn't directly your fault. This is a big risk at busy salons, where clients often leave property out of sight. Public liability covers accidental damage and theft on your premises.
Products
Even if you don't make any of your own cosmetics, any product you give or sell could leave you liable if someone, say, had an allergic reaction. This is especially true if you're selling products manufactured outside the EU. Our public liability cover automatically includes product liability.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
What insurance do nail technicians need?
Every business is unique, so while you'll likely start with public liability, you may also like to think about the covers listed below. Our quote journey will guide you through your options, so there's no need to make a decision immediately.
Public liability insurance
The most popular cover for many businesses, public liability insurance offers financial compensation in the event that a client, or any other non-employee, takes legal action against you for injury or property damage caused by your work.
Contents and equipment cover
Salon furniture isn't cheap, and electrical equipment that's being moved around and used day in, day out is likely to get damaged or broken at some point. A no-brainer for any business with specialised equipment, contents and equipment insurance covers the cost to repair or replace accidentally damaged contents and equipment.
Employers' liability insurance
If you employ a team, employers' liability cover is a legal requirement for businesses in the UK - regardless of whether your team is made up of temporary or part-time staff.
Accident and sickness cover
Accident and sickness insurance comes in three parts to cover workers aged between 16-69.
Firstly, it’s designed to provide financial support for up to 50 weeks if you or an employee goes on long-term sick leave. It can also provide financial assistance for up to 180 nights if you, or an employee, were hospitalised.
And finally, a lump sum benefit of up to £50,000 can be paid out if you or an employee suffers a serious injury or up to £25,000 in the unfortunate event that an insured person dies.
Cyber insurance
You may be surprised to see this one on the list, but cyber insurance is relevant to any business that stores personally identifiable information. As a nail business, you'll likely store information about your clients in your database, such as names, email address and even birth dates. This could make you the target of data theft, or result in someone accidentally breaching GDPR legislation by sending out a company email to people who haven't officially opted in to receive them.
Nail technician insurance FAQs
How much does nail technician insurance cost?
This depends on the level and types of cover you choose for your business. Our public liability cover starts from £5.51 per month.
10% of nail technicians paid £5.51 a month or less for their Superscript business insurance between January and March 2023.
Do self-employed nail technicians have to get insurance?
While most insurance is optional rather than mandatory, most self-employed professionals opt for public liability at the very least, as an accidental injury to a client could result in devastating costs.
Do nail salons have to get insurance?
Most insurance is optional rather than mandatory. An exception to this is employers' liability cover, which is a legal requirement for anyone with employees. Despite this, the majority of businesses that have lots of contact with clients consider public liability an essential, as many would be unable to afford an uninsured claim.
Can you cover mobile nail technicians?
Yes, our public liability insurance can cover mobile nail technicians.
Will my equipment be covered if it's stored in my car, while traveling between jobs?
Yes, if you have contents and equipment cover, your equipment will be covered while in transit.
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A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.