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Nail technician


Nail Technician Insurance

Nail technician insurance that is manicured to your requirements

We compare quotes from leading insurers

Compare nail technician insurance quotes

As a mobile nail technician, you’re in high demand. Your clients rely on your skill and expertise, and working long sometimes unsociable hours leaves little time to find the right insurance for your business.

You need protection in case something goes wrong. Time is money, so if you want quick, quality cover minus the hassle of looking around then look no further.

Whether you’re a mobile nail tech or running a salon, insurance is essential for any business owner to protect against the unexpected. We’re committed to helping you find the right insurance for your business at the right price, so you can focus on what really matters – making your customers feel fabulous.

It's quick and easy to compare quotes online. Simply answer questions about your nail technician business and we can provide a selection of quotes from a panel of trusted insurers. You can then compare quotes, find the cover that's right you and buy straight away.

If you’re looking for cover for your nail salon, then visit our Beauty Salon Insurance page.

Compare shop/salon quotes
If you run a shop or a salon and know the covers you require, it's quick & easy to compare quotes from a selection of insurers on our website.
Start a shop or salon quote
Get a self-employed quote
If you run a mobile business without a shop or rent a chair in a shop or a salon, it's also quick & easy to compare contractor quotes on our website.
Start a freelance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Request a call back

Nail technician insurance cover in detail

What is nail technician insurance?

Nail technician insurance is designed to protect your business, so you can carry on providing your services to your customers as quickly as possible if something unexpected happens. Simply put, it can protect you and your customers as well as any equipment or stock you have. Whether you are working from a salon, renting a room, or visiting people in their own homes, it’s essential to arrange cover to protect your livelihood against the unexpected.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Manicure

Public liability insurance

Your insurance policy can be built to cover you for a number of unforeseen eventualities that could lead to financial loss. Public liability is a fundamental cover to protect your interests should anything happen to a client, whether you are salon based or mobile

Nail technicians work with sharp tools, drills and chemicals that can cause injury or damage to property if used improperly or if an accident occurs. For example, a client may suffer an allergic reaction to a nail polish or suffer a cut during a manicure or pedicure. If a client or third party suffers injury or damage to property as a result of the nail technician's actions, they may be entitled to compensation. Public liability insurance can help to cover the costs of legal fees and compensation if a claim is made against the nail technician.

Nail technician

Employers' liability insurance

Employers' liability insurance is a type of insurance that provides coverage to employers in case their employees suffer injury or illness as a result of their work. If you are a self-employed nail technician and do not have employees, employers' liability insurance may not be one of your requirements.

If you employ staff, employers' liability insurance is a legal requirement and it is intended to help ensure that employers are able to meet their legal obligations to their employees in the event of an accident or injury in the workplace.

Person walking with crutches

Personal accident cover

Personal accident cover is designed to provide financial assistance in the event of a personal injury. For mobile nail technicians, this could be an essential cover, especially if the business cannot trade without you. This coverage typically provides a lump sum payment or ongoing income support to help cover the costs of medical treatment, living expenses, and other financial obligations that the salon owner may have.

This type of protection is particularly important for small business owners, who may not have the same level of financial support or benefits as employees of larger companies.

Hair salon equipment

Property covers

For nail technicians, it is likely that equipment and tools used to provide services to clients will be important assets that will require protection against damage and loss. For example, equipment and tool insurance can cover the cost of repairing or replacing equipment and tools that are damaged or stolen. This can include nail polish, nail files, UV lamps, and other tools that are essential to the nail technician's business.

If your business is based in a shop or salon, you should consider beauty salon insurance. Salon insurance can typically combine contents insurance, buildings insurance as well as liabilities and treatment cover. If you’re running a nail bar or a nail salon then protecting your assets can help minimise disruption if you suffer damage to your salon.

If you provide treatments from your home you may also require home business insurance as most home insurance policies exclude business activities. If you are unsure about your insurance requirements, our insurance advisors are on hand to provide advice and recommendations.

Shop displaying closed sign

Business interruption cover

If you are unable to trade following an insured event, then business interruption cover can protect your income and fixed expenses while you get back on your feet. You never know what is around the corner, and this cover can truly protect the future of your business from unexpected events.
Judges gavel

Commercial legal protection

You may wish to include commercial legal expenses within your insurance, to offer protection against tax and VAT disputes, employment disputes and compensation awards, as well as cover should you or a member of staff be called up for jury service.

Nail technician insurance FAQs

There are a number of risks that your business could be exposed to, from liability claims to property damage that may leave you exposed to financial loss. Without the right insurance in place, you could be personally liable to pay compensation awards if something were to go wrong.

Nail technician insurance can protect you whilst you travel to clients and carry out work, should something unexpected happen. Normally nail technician insurance will provide liability cover as well as other covers that can be adjusted to your needs. Here are some other covers you might need to consider:

  • Public liability – to protect against injury to salon visitors or damage to their property
  • Employers' liability – to protect your salon employees
  • Personal accident - to provide financial assistance in the event of an accident
  • Buildings cover – to cover for loss or damage to your premises
  • Equipment, contents and stock – to reinstate your items and equipment
  • Business interruption – to keep finances running when disaster strikes
  • Money cover – for theft or attempted theft
  • Business legal expenses – to cover the cost of legal expenses or defend your salon against legal action
More information

The cost of insurance for a nail technician generally relies on several factors, including the locations you work at and the insurance covers you need.

It is difficult to estimate the cost of insurance cover for a nail technician without taking these factors into consideration first. The best way to get an estimate for the cost of insurance is to compare quotes on the Premierline website. Or, you can speak to one of our business insurance experts who can assess the overall needs and risks associated with your business and can find cover accordingly.

We arrange nail technician insurance that is tailored to your needs meaning you can work without worry and focus on the job in hand. We have many years’ experience arranging insurance for nail technicians, and fully understand the risks that you are exposed to.

It's quick and easy to compare quotes and buy nail technician insurance on our website.

We have many years’ experience arranging insurance for nail technicians meaning we can help you find the right cover at the best price.

We work with a range of businesses in the hair and beauty industry, from beauty salons and barber shops to hairdressers, nail technicians and tanning salons.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

Premierline Insurance Experts

We're hair & beauty insurance experts

We understand the nature of running your hair & beauty business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your hair & beauty insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based  experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Lovely, helpful staff. Their email correspondence was really easy to understand and they contacted me by phone as and when required.”
Care Business owner
Customer since July 2017
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Customers rate us 4.7/5

282 customers have happily rated our service on Feefo over the past 12 months.
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Platinum award winners since 2020 for consistently delivering customer excellence.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a nail technician insurance expert

Nail technician insurance can protect professionals working from a salon, and typically covers nail extensions, manicures and pedicures, as well as gel polish, acrylics and other forms of nail art.

So if you’re a manicurist, pedicurist or nail tech, mobile or salon based, then we can arrange insurance to meet your needs, it's quick and easy.

If you run or own your own salon, you may be more interested in Beauty Salon Insurance.
Compare shop/salon quotes
If you run a shop or a salon and know the covers you require, it's quick & easy to compare quotes from a selection of insurers on our website.
Start a shop or salon quote
Get a self-employed quote
If you run a mobile business without a shop or rent a chair in a shop or a salon, it's also quick & easy to compare contractor quotes on our website.
Start a freelance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Request a call back

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