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Nail Technician Insurance UK

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UK Insurance for Nail Technician

A self-employed nail technician insurance policy will provide you with financial protection against third party claims resulting from your business activities. By getting multiple quotes you can then compare the costs and contents of multiple policies that are aimed at protecting your nail tech business. 

We work in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers.  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.

Nail Technician Insurance

What is 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 insurance does a nail technician need?

Public Liability Insurance 

Public liability insurance for nail technicians will protect you from claims by the public for injury, illness or damage. It provides cover for claims made by the public and can include your clients, suppliers or passers-by. You can choose the level of protection which is normally in the range of £1,000,000 to £10,000,000 with steps in between. It is common for most business to have public liability insurance, whilst not mandatory it does make business sense. Take a moment to consider your exposure without have this type of cover in place from day one.

Stock Cover

If you sell direct to the public or have a large amount of stock, then consider adding in stock cover. This will provide financial protection should stock be damaged or stolen.  You can choose the amount and the broker will base his quote on the value of your stock. Popular stock items to sell to the public can include; lotions,  nail polish remover and nail care kits

Tools and Equipment

For a nail technician, you reply on your products and tools and equipment to provide your service and are essential to your every day business service./r 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.

Tools of your art can be expensive, We have listed some examples of tools and equipment below.

  • Nail Polish Racks
  • Manicure Stations
  • Pedicure Chairs
  • Luxury Spa Chairs 
  • Drying Lamps
  • Nail Drill

Buildings Insurance

Building insurance will cover damage to the building or your salon. If you are renting the premises, check to make sure the landlord should has a building insurance policy in place. 

Treatment liability

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.
  • The customer is just unhappy, unsatisfied with the performance or final results of the treatment.

Tailored Nail Tech Insurance Policies Available

No one policy fits all is true in the UK beauty insurance sector.  You may be self employed and provide a mobile service or work from a beauty salon and provide a full menu of beauty treatments including the latest trending eyelash extension beauty treatment. The panel of UK brokers are able to provide you with tailored quotes based on your requirements.  Select GET A Quote and complete an online form to get access to multiple nail technician insurance UK quotes.

Start comparing UK Insurance for Nail Technician

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. Simply Select the Start Quote and complete an online form to get access to multiple nail technician insurance quotes.

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