Nail Technician Insurance

Keep Your Business Polished with Affordable Coverage

When you run a nail technician business, there are a lot of little touches that make it special. Think of the perfect manicure — each client would define it a bit differently, but you know that a lot goes into shaping, painting, and polishing each nail. And insurance for your nail technician business should be just as unique.

Here at Simply Business, we offer manicurist insurance that matches your business the way you’d match your favorite nail polish vendor’s newest shade with your top client’s mood. We ask a few questions and then show you free quotes from different insurers that can protect your business.

The best part? It takes less than 10 minutes to start browsing quotes.

See what it’s like to have insurance for your nail salon that makes you feel as unstoppable as a fresh coat of polish!

Policies Available for Nail Technician Insurance:

  • General liability insurance
  • Professional liability Insurance
  • Workers compensation insurance


  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help customers feel good about your work.
  • It may be legally required where you’re located.
Female nail technician working with client

What type of insurance do I need for my nail technician business?

How you run your nail technician business may determine the types of insurance policies you decide to buy. Below are three policies that can be bundled together to provide manicurists with protection.

Commercial General Liability Insurance

With commercial general liability insurance (GL), nail technician business owners can be covered for costs that result from situations like third-party accidents, property damage, and bodily injury. If your tools are damaged or stolen while working, then nail technician general liability insurance can potentially cover the cost of the tools.

Despite having gone to nail school and completed hundreds of hours of training, accidents may still happen to you. Here’s an example: Imagine that a client comes in to get her nails done for a special occasion. She slips on some water that wasn’t mopped up and breaks her ankle. The client files a claim and requests that you pay for her medical bills related to the injury, and also for the shoes she can no longer wear to her event with a broken ankle.

General liability insurance could help cover the cost of the medical bills and any legal fees that may be associated with the claim if you hire legal assistance. Without nail technician insurance, those costs may have to come out-of-pocket, which could seriously impact your business’s bottom line.

So what could a general liability policy cover? Here’s a quick look:

  • Bodily injury to another person
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Now here’s what general liability insurance usually doesn’t cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Automobiles while in business use
  • Expected or intentional injury or damage
  • And more

Professional Liability Insurance

Think about putting the final touches on a manicure. If you had the option to give your client a top coat with a clear polish that would secure the nail color, wouldn’t you do that?

You don’t want to cut corners when it comes to professional liability insurance, either. When working as a nail technician, investing in professional liability insurance can be a way to protect yourself from claims of negligence or damages made by your clients.

Even if you don’t believe you’ve done anything wrong, a client can still make a claim against you if they feel they’re in the right. For example, say you gave a client a pedicure, and after buffing her heels, you massage her calves with the lotion she chose from your selection. A minute into the massage, she has an allergic reaction, and her leg swells up! Her appointment is cut short when she decides to go to a doctor.

In the end, she was OK, but she insists that you pay for her to have her pedicure done (again) and for the medical bill she received for the doctor’s visit. Professional liability insurance would potentially cover those costs, as well as any legal costs if she sues you for negligence.

Professional liability insurance for nail techs may protect you from:

  • Legal defense costs
  • Omissions or alleged omissions
  • Negligence or alleged negligence
  • Claims and damages
  • And more

Having professional liability insurance does not usually protect you from:

  • Property damage
  • Intentional acts and omissions
  • Bodily injury
  • Medical expenses
  • And more

Workers Compensation Insurance

You may work on your own, but if you have employees, regardless if they’re full-time, part-time, or temporary (e.g., helping you out for an event), most states will require you to be covered by workers compensation insurance.This type of insurance, also known as workers comp, helps to protect you financially if an employee gets sick or injured while working.

Whether your employees are working in your nail salon or working privately at different locations, it’s a good idea to have workers comp insurance to protect them from various occurrences.

Workers compensation insurance for nail technicians can cover:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits
Nail technician working with client using brush

What are the benefits of having manicurist insurance?

Running a business as a nail technician isn’t easy. You put a lot of time into your training and keeping up with best practices and trends. You interact with potential and existing clients to keep them happy and ensure they return with more business.

The time spent doing those things generates the money you spend on products, tools, and with clients, but still may not compare to the cost of lawsuits resulting from injuries, accidents, and other incidents that may occur. You could be the most careful, diligent nail technician on the planet, but accidents can still happen. And even if they don’t, a client could still find fault with your services. The result of dealing with those occurrences without insurance coverage could be devastating.

Here’s an example of the costs of the most common small business claims:

  • Reputational Harm — $50,000
  • Client Injury or Damage — $30,000
  • Client Slip and Fall — $20,000

Mistakes and their consequences aside, having insurance could still help you build your business. Having coverage could help you:

  • Rent a room or space for an event
  • Convince other nail technicians to work with you
  • Earn clients’ confidence
  • Open another location
  • And more!

When you get insurance through Simply Business, we can provide a certificate of insurance (COI) you can show as proof to your clients and employees that you’re protected.

Question marks

Nail Technician Business Insurance FAQs

Depending on where you live, you may be required to have insurance for your nail business. If you have any employees, whether they’re full-time, part-time, or temporary, your state may also require you to have workers compensation insurance to protect employees if they get sick or injured while working.

When filing your income taxes, you can usually deduct your business insurance premiums. However, we recommend talking with a tax professional or accountant if you have any further questions about what sort of expenses may be tax-deductible because they vary depending on your specific business.

The amount of coverage you’ll need for your manicurist business will depend on a variety of factors, like how many (if any) employees you have, how you run your business, and other things such as:

  • The size of your business
  • Your business’s location
  • Your annual revenue
  • And more

Simply Business can advise the right amount of coverage for your business in your state when you fill out your quote form.

Our quote form questions are straightforward, but it would be helpful to have the following information on hand before you begin:

  • Annual revenue estimates
  • Payroll estimates
  • Information on any previous claims

Our quote form process will help you understand if your state requires your nail technician business to have insurance. If you have any questions, you can ask our licensed insurance agents.

A thorough insurance policy for your nail technician business that includes general liability, professional liability, and workers compensation insurance can cover:

  • Bodily injury
  • Accidents and damages
  • Employee injuries
  • Unintentional mistakes
  • And more

The cost of manicurist insurance depends on several different factors, like whether or not you have employees, and the details of the work you’re doing. You can expect the following to impact the overall cost of your policy:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more

Click here to complete our quote form if you’re interested in knowing what your policy may cost. In less than 10 minutes, you can see and compare quotes, and if the price is right, get covered today!

If you offer multiple services as a nail technician, we totally get it! After all, if you can offer more than one service, why wouldn’t you? If that’s the case, feel free to ask one of our licensed insurance agents, and they can help you sort out a policy that potentially covers all that you do.

Close-up of nail technician working with client using brush

Why choose Simply Business?

Choosing insurance for your business, which you’ve put so much money, energy, and care into, isn’t easy. In fact, with all the choices, it can be overwhelming.

Simply Business is a digital insurance brokerage, helping thousands of small businesses all over the country get protection for their businesses. Take a look at why business owners trust us to keep them secure from accidents, injuries, theft, and more:

  • We don’t waste time or money. Our policies are fast, affordable, and ready when you are. Don’t waste energy stressing over coverage.

  • Our coverage is for you. We can help adjust your policy to your individual business’s needs.

    • We get your business. Shouldn’t your insurance policy be as unique as your business? We understand what your nail technician business needs, and we’ll ensure you’re covered.

Your nail technician business should be as secure as a freshly set mani/pedi for a big event. Let Simply Business help you nail the best coverage (pardon the pun!).

This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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