Nail Technican insurance

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A self-employed nail technician insurance policy will provide you with financial protection a business need when interacting with the public. By asking for quotes you can then compare the costs of several policies and what they contain that will protect your nail business. All policies will be tailored to your individual needs. Below are the many areas that insurance can help protect the freelance nail technicians from the problems that could be encountered when dealing with the public.

What is nail technician insurance?

Nail Technician Insurance

This type of cover is for nail technicians that provide a call-out service for their clientele or work as a freelancer out of a salon. Nail technician insurance policies are flexible and can include public liability, treatment liability, personal liability and business equipment cover.

What is the cost of nail salon insurance?

The price of nail salon insurance will depend on the amount of protection and type of cover that you require. Part of the calculation will be based on any previous claims, your postcode and the number of technicians working on the premises. Typical policies range from £250 per year, rising to £1,000+ for large high street salons.

What is included in a typical nail technicians insurance policy?

There is treatment liability, personal liability, professional liability and equipment cover.

Treatment Liability will cover the day-to-day procedures typical of a nail technician and include the following procedures.

  • The initial cutting, manicuring and filing of customer's nails.
  • Application of nail art.
  • Nail extensions, coatings to harden that may involve the use of UV light

Personal liability insurance policy financially protects the manicurist from accidents that might occur while with a client that occur by accident.

Professional liability insurance is used when the client disagrees with the job performance, the actions of the manicurist or unfavourable results of products used.

  • A bad reaction to the cuticle remover, nail polish remover or the nail polish itself.
  • If an appointment is missed or the manicurist is late and the client loses money due to their missed appointment and sues.
  • If the cuticle is cut causing pain to the client or any other cut the client experiences during the nail appointment.
  • If the correction or removal of an ingrown nail causes infection and the client is in pain and or loses money because of missed work.
  • If an infection is caused by the manicurist using unsanitary instruments in the reshaping of the nail or cuticles.
  • The accusation of theft from the client against the manicurist.
  • Customer is just unhappy, unsatisfied with the performance or final results of the treatment.

Equipment insurance protects the tools used by the technician. This can include but not limited to files, cutters, sonicators and sterilization units. This cover will provide funds if this equipment is lost, stolen or damaged.

Start comparing the costs of nail technician insurance

If you are a self-employed nail technician, manicurist or pedicurist we can provide you with comparative quotes from a panel of UK brokers. Obtain a quick no-obligation quotation for either a mobile service or nail salon. Simple Select the Start Quote and complete a 2-minute form to get access to multiple nail technician insurance quotes.

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