Nail Technician Insurance Costs Compared

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Designed for qualified technicians that are self employed, work from home, mobile or rent a chair in a salon.

Do Nail Technicians need Insurance 

Do you need nail technician insurance? We can help you compare the costs of a policy that will protect your nail business. All policies can be tailored to your individual needs. The exact cover you need depends upon the type of risks that your business will encounter. In this article we have covered the key types of insurance that freelance nail technicians including freelancers may require.

The need to protect yourself as a professional nail technician or manicurist is necessary in today’s economy. With the right level of insurance, you will be financially protected against events out of your control whether you work in a salon or cater to your clients needs in their homes or offices.


How much is Nail Technician Insurance

The actual cost of nail tech insurance will vary as it depends on a number of factors. One good example is the cost of the equipment that you need covered. The best advice is to get a free quote by selecting the quote button below. This way you can start comparing the actual costs from multiple UK brokers.

Mobile nail technician insurance

Policies can be tailored for nail technicians that do not necessarily work from a salon, but provide a call out or so called mobile service to their clientele.  Nail tech insurance policies  are flexible and will include cover the key areas that include public liability, business equipment and equipment cover, but will not include cover that is not required for example building insurance if your provide a mobile or call out service. However, if you do operate from a salon we can also provide salon insurance.

Nail Technician Insurance

Treatment Liability

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

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

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Personal Liability Insurance for nail technicians

This type of insurance policy financially protects the manicurist from accidents that might occur while with a client.

Include professional liability Insurance as part of your nail technician insurance

This is the type of protection is used when the client disagrees with the job performance, the actions of the manicurist or unfavorable results of products used. The insurance will cover the clients lost wages if they cannot work because of the injury or distress caused by the incident along with the legal fees.

  • 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.
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    When any part of the client is cut or abrasion on the skin is made on the client due to neglect or an accident by the manicurist.
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    If the correction or removal of an ingrown nail causes an infection and the client is in pain and or loses money because of missed work.
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    If an infection is caused by the manicurist using unsanitary instruments in the reshaping of the nail or cuticles.
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    The accusation of theft from the client against the manicurist.
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    If the tools used by the manicurist are rented and damage to them occurs.
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    Customer is just unhappy, unsatisfied with the performance or final results of the treatment.

Include tools of the trade in your  nail technician insurance

A professional nail technician will be able to treat and provide tips on how to keep nails healthy. Part of keeping nails healthy is using professional tools. These tools tend to be expensive so equipment cover should be considered.

Whilst the cover required for nail technicians will be similar, the base requirements can and does vary from one nail technician to another. It is important to protect the tools of the business. Nail technician can invest in gear that can be very expensive. If you have expensive gear then make sure they are adequately covered in your policy. Theft and accidental damage are standard. However you can opt for new for old if your are willing to pay a higher premium.

Start Comparing the costs of pro nail tech 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 bar. Simple Select the Quick Quote and complete a 2 minute form. Within minutes you will start to receive nail tech insurance quotes from multiple UK brokers. 

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