When you need insurance for your holistic and complementary therapy business, you can depend on our experience and reputation to find the policy that best fits your situation.

We've been supporting holistic & complementary therapy professionals for over 25 years

Insurance for Freelance Nail Professionals

Nail Technician Insurance

You might work as a self employed nail technician in a salon or clinic or maybe you’re a mobile nail tech, visiting your clients at home. In either case, you need liability insurance that you can trust to protect you and your nail business.

Get your nail technician insurance quote and cover in less than 3 minutes and we’ll email your documents to you. It couldn’t be easier!

How Much Does Nail Technician Liability Insurance Cost?

Our liability policy is very competitive! Our standard nail technician insurance costs just £41.16 per year if you buy online. This includes insurance premium tax and our admin charge. We have been specialists to the beauty and nail industry since 1984 and due to the high volume of nail insurance that we do, we have access to surprisingly low rates that we can pass on to you. You will also have the solid name of Lloyds of London behind you.

Treatments Covered by Nail Technician Insurance

Cover is automatically included for the following nail technician treatments. (Any endorsements that may apply will be shown when you get your quote, or click to view the endorsements now.

  • Application of nail extensions and nail coatings including varnishes and coatings cured using
    UV lamp
  • Application of nail art
  • Cutting/shaping of nails
  • Manicures/pedicures (including paraffin wax)

Our Nail Technician Insurance Policy Cover


  • Public Liability – £3 million or £5 million
  • Products Liability – £3 million or £5 million
  • Treatment Risk – £3 million
  • Financial Loss – £10,000 or £50,000


  • Employers Liability
  • Money
  • Legal Expenses
  • Personal Accident for hands
  • Stock/Equipment
  • Individual Personal Accident (& Sickness) – Separate Policy. Click here for further information


If you require cover for teaching, you can add this option when you get your quote.

If you are a student, we can arrange cover for you too, at special student rates. Just get a quote for nail technician insurance and click the student option on the online form. Or read more on our student cover page.

Do I Really Need Nail Technicians Insurance?

Some nail technicians ask themselves if they really need to have insurance cover. In today’s economic climate, every penny counts and it might be tempting not to pay out for insurance. But sometimes things do go wrong and accidents do happen to nail technicians. Nowadays, people are increasingly likely to claim large amounts of money for minor damages. The cost of our insurance is tiny compared to the likely amount involved in having to settle a claim out of your own pocket.