As a nail technician, insurance can bring reassurance to you and your clients by offering protection from common risks – as well as unexpected setbacks. It might help to safeguard your business from the impact of equipment damage or support you if a client says they were injured on your premises.
Working on manicures and pedicures is creative, rewarding and people-focused, but if something goes wrong, it can be a real blow to your business. A policy that brings together products such as professional, treatment and public liability cover could help you to clear hurdles and thrive.
Saving time and moneyOur new combined professional, treatment and public liability policy includes multiple coverages in one, saving you time and money
Nail Salon Insurance
Our approach to customer service makes it easy to make policy changes. If your business grows, we can help along the way – including through our Business Support Hub
Nail art is detailed work – and with the latest trends come new products and practices. You’re a proud professional who always follows protocol, but the nature of the job means paint chemicals, glue and oils are rarely far away. If a client becomes ill soon after their nail treatment, leading to a hospital stay and time off work, there’s a chance they may take legal action. With medical malpractice cover – available as part of combined professional, treatment and public liability insurance – you aren’t alone.
A bride-to-be visits your home to receive her dream manicure when she trips on the wire of your acrylic glue gun, breaking her ankle just days before the wedding. The ceremony cost her thousands, and although it goes ahead, she claims the injury meant she couldn’t participate in full. Professional, treatment and public liability insurance can help nail technicians with the cost of court cases and compensation claims levelled by members of the public.
How To Qualify As A Nail Technician
Perhaps you bring a portable LED nail dryer to your appointments to help gel to set and speed up the cure time. Polish could be knocked onto the power buttons by a client, or you may realise your machine has been stolen when you get home. Portable equipment insurance can help with the cost of replacing a range of portable devices, helping you get back up to speed.
Nail technicians work in the health, beauty and wellness sector, where professional treatment liability insurance and public and products liability can all be key. That’s why you can buy combined cover through a specialist product – professional, treatment and public liability insurance.
Some things can be expected in a nail salon, such as the constant flow of conversation and rows of vibrant paints. Others may take you by surprise. The LED sign in your shop window could fall on a passer-by, or a vent may transport harmful chemicals into neighbouring offices. Working alongside the public is a big part of business for a nail technician. As such, professional, treatment and public liability insurance may help if someone claims your work caused them illness, injury or property damage.
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As a professional specialising in manicures and pedicures, you rely on specialist equipment to get the job done. Without your UV nail dryer, how would gels be set – and what would happen if you needed to turn away customers because it was broken, damaged or stolen? Portable equipment cover may carry welcome reassurance, especially for mobile nail technicians who take their specialist kit to clients’ houses. Whether insured items are owned or rented, this insurance could help with repair or replacement.
People power can drive successful beauty businesses – without technicians, the nails of your customers cannot be transformed. Whether your lead employee is injured on their annual ski trip or you sustain a back injury while loading your car with heavy equipment, injuries can cause significant interruption – especially for the self-employed. With a personal accident policy in place, however, you may be able to claim an allowance while named people are unable to work.
Other polices which may benefit a nail technician include professional treatment liability insurance, which is available as part of combined cover for nail technicians. There's also cyber insurance and employers’ liability insurance. This can be essential in some cases.
Nail Technician Insurance Uk
"Customer service was very friendly and knowledgeable. I needed to make a few changes to my policy and they made it very easy to do. They were able to do it very quickly and efficiently."
These are just some of the types of business cover we can offer nail technicians. We can provide other specific types of insurance and build them into a policy tailored to the needs of your business.
A nail salon is a busy environment with a lot going on at any one time, so you might find the need to cover your business for a range of liabilities – if that is the case, there are many policies which can do just that. Commercial property insurance may be suitable if you own the salon building, however, for rented salons, office contents insurance may be a better fit. If your salon employs staff, then employers’ liability insurance could be legally required. You can tailor insurance cover to fit your circumstances, whatever they may be.
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As a mobile nail tech, there might be additional insurance requirements for you to consider if you’re out and about and not at a fixed salon address. These could include your potential contact with members of the public, standard medical malpractice risks and the need to carry equipment. That’s why a professional, treatment and public liability policy may benefit all nail technicians, but portable equipment cover could prove especially useful for mobile artists.
If you feel as though a salon-based environment isn’t a good fit and you’d like to go at it alone, you might consider setting up your nail tech venture from home. The good news is any qualified person can start a small nail business from home. However, before you start designing your space to launch your home-based business, it may be a good idea to ensure you have suitable insurance in place first. Once your insurance needs are met, you can start booking in clients and designing amazing art with the reassurance of cover.
Are you looking to expand your nail business? From building a website to posting digital deals, these tips for promoting a mobile beauty business are packed with insights.
Choosing An Insurance Provider For Nail Services
Whether you’re a director or a sole trader, there are many types of cover. Learn the many business insurance types , from cyber and data insurance to product liability, with our guide.Included as standard when you buy or renew any of our business insurance policies. The legal helpline and document services are provided by DAS Legal Expenses Insurance Limited. For niche legal advice and some jurisdictions, the 24/7 helpline will refer you to specialist advisers, available Mon-Fri, 9am-5pm, excl. bank holidays.
At Direct Line for Business, we appreciate how hard you work to keep your customers’ hands and feet looking and feeling good. And if you’re a pedicurist, manicurist or both, we work hard to provide you with the insurance you need.
Whether you’re doing mobile manicures, polishing nails on your own premises or sculpting them in a salon, you can create a nail technician insurance policy that’s just right for your business.
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Using our new insurance tool, you can choose the policy features that you need and change them at any time without paying any admin fees. So you only pay for the cover that you need for your nail technician business.
Busy making your clients look great Monday through to Saturday? Our call centres are also open weekday evenings until 8pm, 9am - 5pm on Saturdays, and on Sunday from 10am - 4pm.
Plus, if you’d like to spread the cost of your policy in your first year with us you can pay monthly for your beauty insurance for no extra cost (Subject to status. 18s and over. 0% APR representative). There’s also no minimum premium amount for you to qualify for Direct Debit.
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Just starting out as a beauty therapist or beautician and want to get insured? You don't need to be registered with any associations or guilds to take out our Beauty Insurance. All we ask is that you’re appropriately qualified for the treatments you're carrying out.
Our virtual assistant is here to answer your questions. And in cases where it doesn't have the answer, we'll put you in touch with someone who can help.Our policies go far beyond public liability insurance. Injuries and property damage are a risk for nail technicians, but so are your own accidents, tool theft, and even employee claims if you’ve hired a team.
On the move and need mobile nail technician insurance? We’ve got that covered too, with policies designed for freelance and mobile nail pros.
What Qualifications Do I Need To Be A Nail Technician?
We’ll start with public liability insurance, designed to cover you against accidents in a client’s home, at a salon, or elsewhere. Lots of nail technicians add cover for their stock and kit, plus personal accidents which could keep them or an employee signed off work. And if you do employ anyone, employers’ liability cover is usually a legal requirement.
**Employers’ liability
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