Nail Technician Insurance

Customized Coverage for Your Nail Technician Business

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Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Nail Technician Insurance That’s Made Just For You

When it comes to nail art, you’ve got a knack for design and an eye for detail. Your customers rave about your skills, and your work often shows up on Insta. In fact, you’re one of the best nail technicians in your area - and that’s exactly why you need business insurance coverage!

At Simply Business, we provide nail technician insurance that’s as unique and colorful as your nail art. This coverage protects you from risks so you can focus on what matters: your business!

What Insurance Do Nail Technicians Need?

If you’re visiting clients or paying for a chair in a nail salon, you’ll probably need business insurance that covers you in case of errors and damages. Let Simply Business build a nail technician insurance policy that’s personalized just for you.

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General Liability Insurance for Nail Technicians

General Liability insurance - sometimes referred to as commercial general liability (CGL) insurance - is a good policy to have if you’re doing nails in your clients’ homes or offices. This coverage protects you and your business from third-party claims of bodily injury or damage to someone else’s property. For example, if you accidentally spilled nail polish all over a customer’s expensive shag carpet, your policy may pay for resulting damages and legal fees.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Your professional services
  • Employees’ medical bills
  • Known claims or potential claims
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Nail Technicians

Professional liability insurance - which is also called errors and omissions insurance - is a type of policy that protects you in case a customer accuses you of negligence or errors resulting from your nail tech services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs. This policy may be worth adding to your coverage, as so much of what you do involves using your expertise to provide recommendations!

Professional liability insurance usually covers:

  • Negligence
  • Legal costs
  • Libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional errors and/or negligence
  • Bodily injury
  • Property damage
  • False advertising
  • And more

Workers Compensation Insurance for Nail Technicians

If you have a full-time or part-time employee who helps you out, you may need workers compensation insurance. This type of insurance policy covers medical bills, lost wages, and any legal costs that may occur if your employee gets hurt or sick at work. For example, if you have an assistant who ends up getting carpal tunnel from performing multiple mani/pedis, your workers compensation may help pay for related medical bills.

Your state may require you to have workers compensation insurance, so double-check if you should add it to your nail technician insurance coverage!

Learn more about workers compensation insurance.

How Much Does Insurance for Nail Technicians Cost?

Want to find out how much your nail technician insurance policy might cost? Simply Business will use the following information to determine your policy price:

  • If you have employees (full-time and/or part-time)
  • The location of your business
  • The nail services you provide
  • Payroll
  • Revenue
  • And more

Want to find out how much your nail technician insurance will cost? Just click here to answer a couple of questions about your business.

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