Nail Technician Insurance

Insurance for nail technicians protects professionals from financial loss caused by unexpected accidents, property damage, and liability claims made by clients or third parties. Having the right nail tech insurance ensures peace of mind while you focus on your craft. 

insured nail technician shaping client's nails

Coverage for services that are often difficult to insure

Quick proposal turnaround to keep your business moving

Personalized coverage for every beauty business

Affordable rates that keep quality coverage within reach

Covered Nail Tech Services

From manicures to pedicures, our insurance for nails techs covers a full range of services.

Nail Technician Insurance Overview

BeautyGuard provides comprehensive insurance for nail technicians to protect business operations, equipment, and your livelihood. 

One lawsuit or claim can disrupt work, drain finances, and harm reputations. BeautyGuard offers liability insurance for nail technicians to protect against client and third-party claims related to services, operations, or conduct. This can include:  

  • Bodily injury or damage to another’s property 
  • Errors, mistakes, or omissions in professional services 
  • Lawsuits related to libel or slander 
  • Allegations of abuse, assault, or battery 

Some risks require an extra layer of protection. BeautyGuard offers additional coverages to address exposures that fall outside standard liability insurance: 

  • Tools & Products: Property coverage for essential business equipment, furniture, treatment tools, and retail inventory. 
  • Communicable Disease: Legal defense if a client alleges they contracted an illness due to your negligence.  
  • Assault & Battery: Legal defense and indemnification for covered physical altercations. 

Nail Tech Claim Examples

Even the most skilled nail technicians face risks. These real claim scenarios (excluding legal defense costs) show what your nail technician insurance may help cover. 

Coverage is subject to the terms, conditions, limitations, and exclusions outlined in the policy. Claim outcomes may vary based on specific circumstances and do not guarantee future coverage. You may be held liable for harm caused to a client. Always take proper precautions and follow safe practices at all times.

FAQ

Insurance for nail technicians is designed to protect you from claims related to your professional services, including injuries, property damage, and legal defense costs.

Accidents happen, from chemical burns to infections. Insurance protects your business and personal assets if a client makes a claim against you. 

Nail technician liability insurance may include client injury claims, infections, allergic reactions, property damage, and legal defense costs. It also may include accidental damage to a client’s belongings during services.  

Costs vary depending on location, services provided, and coverage limits. Most nail techs pay $300 to $500 per year for coverage. 

Mobile nail technicians need a policy that includes both professional liability and general liability for services performed at a client’s home or other off-site locations. 

BeautyGuard! The best policy provides broad coverage for the services you offer, includes nail tech liability insurance, covers mobile/off-site work, and offers limits high enough to protect your business in the event of a lawsuit. 

Safeguard your business with nail technician insurance.

BeautyGuard offers comprehensive nail tech coverage so unexpected claims don’t chip away at your business.