Comprehensive Nail Technician Insurance For Mobile & Freelance Professionals
It’s not easy to create beautiful nails, but you have the skill, patience and dedication needed to bring your clients’ dream designs to life. After all, your passion as a nail technician is what motivated you to set up your own mobile or freelance business to begin with. And although nothing beats doing what you love and delighting your customers in the process, it’s important that you’re also prepared for when things go wrong.
Unfortunately, accidents can always happen when you run a business, and offering specialised nail treatments can bring about their own unique risks. For example, what if you’re a mobile nail technician and you accidentally spill acetone or nail polish on your client’s white carpet during a home treatment? They could claim compensation for your mistake, leaving you struggling to keep your company afloat. Luckily, you can protect yourself with the help of Salon Gold. Our mobile and freelance nail technician insurance policy includes all the cover your profession needs, including public liability and treatment risk cover. And as we handle all damages and compensation payouts, you’ll never need to worry about an unexpected accident putting your business at risk.
What Do You Get With Nail Technician Insurance?
We designed our nail technician insurance for mobile and freelancers with the exact nature of your role and work in mind. Your policy automatically includes public liability cover, which pays out if an incident at work either injures someone or damages their property. However, public liability doesn’t cover claims resulting from professional services, so you’ll also receive treatment risk insurance in case something goes wrong during a nail treatment, like an allergic reaction. Products liability and financial loss insurance will also be included in your Salon Gold policy as standard.
Although you receive all these covers as standard, you may want to take extra precautions by adding some optional covers to your nail technician insurance package. For example, employer’s liability insurance is legally required if you employ any staff, while personal accident insurance guarantees you a regular income if an injury leaves you unable to work. Many nail technicians will also add stock & equipment cover to safeguard all the bits and pieces they need when giving customers a manicure.
Join the Salon Gold community now to put together your perfect insurance package.*This price is for a £3m public, products and professional treatment risk liability cover (up to £5m available) and £10k financial loss cover for a nail technician or makeup artist (sole trader). It includes insurance premium tax and our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.
Which type of Salon Gold policy do I need?
Find out which insurance policy is right for your business by clicking below.
Our Nail Technician Covers
For Salons & Fixed Premises
- Business interruption »
- Contents cover »
- Employer’s liability »
- Exhibition Cover »
- Failure of electric, gas & water supply »
- Failure of telephone line »
- Glass cover »
- Goods in Transit »
- Legal expenses cover »
- Money cover »
- Personal accident for hands »
- Products liability »
- Professional Treatment Risk »
- Public liability »
- Stock cover »
- 24 hour crisis & legal helplines »
Our Nail Technician Treatments
- Application of nail extensions and nail coatings including varnishes and coatings cured using a UV or LED lamp
- Application of nail art
- Cutting/shaping of nails
- Manicures and pedicures including paraffin wax
"Will qualifications affect my insurance?"
Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide
Teacher Or Student Cover
Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an extra optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!
Do nail technicians need insurance?
Insurance is really important for nail technicians. Without public liability and treatment risk cover, for example, your business would be forced to foot the bill if a client took legal action over an incident before, during, or after a treatment. Claims for infected nail beds, or reactions to acrylics can cost thousands of pounds, so taking out a comprehensive policy, which includes all of the most important insurance covers for nail technicians, provides you with a valuable safety net.
How much is nail technician insurance?
Nail technician insurance varies in price depending on the level of cover required and your own personal circumstances. Typically, policies are available for less than £45 per year, but you can expect to pay more if you want to include additional covers such as stock and equipment, legal expenses or personal accident insurance.
Is there a difference between freelance and mobile nail technician insurance?
Mobile and freelance are not the same thing. You could work on a mobile basis, but as an employee rather than a freelancer, for instance. However, in the vast majority of cases, both freelance and mobile nail technicians will run their own businesses outside of a salon, so their insurance requirements will typically be the same. If you aren’t sure which policy is most appropriate for you, give us a call today.