Nail Tech Insurance
People use their hands and feet every day—and many of them rely on you, as their nail technician, to keep their fingernails and toenails looking healthy and beautiful. Unfortunately, accidents can happen anywhere, even at a nail salon. Obtaining nail tech insurance provides you peace of mind as you work.
Fast & Secure Online Purchase
Buy Today & Get Immediate Coverage
Download Proof of Insurance at Checkout
$15 per Additional Insured or $30 for Unlimited
BBI is the Coverage you need
Making people feel beautiful is a special skill, but accidents can still happen. For example, what if a sharp tool you used to give a client a gel nail pedicure accidentally cut them? Your client might need medical attention and hold you liable for their injury. You could be forced to pay thousands of dollars out of your own pocket in damages.
Don’t get caught off guard. Our online Beauty and Bodywork Insurance (BBI) policy offers liability insurance for professional nail technicians. This means you won’t have to stress financially if a client is injured.
Many salons even require their self-employed nail technicians to have liability coverage before they can rent a booth. This coverage protects the nail tech in the event an accident occurs.
Whether you need coverage as a manicurist or insurance as a glitter and nail decorator, BBI is there for you.
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without nail tech insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without nail tech insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Common Nail Tech Insurance Questions
Our certified agents are always ready to answer your questions about our nail tech insurance. Here are some of the most common questions we get:
What is Nail Tech Insurance?
In certain scenarios—such as a client getting a cut or bruise from one of your tools, or someone slips and falls in your workspace—you can be held responsible for paying the medical and legal fees of someone accidentally injured. Nail tech insurance can protect your business and personal assets if you are named in a lawsuit because of something that happens to one of your clients as a result of one of your services.
For just $9.99 per month, nail technicians can receive:
- $3,000,000 in General & Professional Liability coverage
- $3,000,000 in Products & Completed Operations coverage
Personal & Advertising Injury - $300,000 coverage for Damage to Premises Rented to you
Additionally, policy holders can also elect to enroll in the following optional coverage:
- Tools and Supplies Coverage
- Additional Insureds
- Cyber Liability Coverage
- Salon and Spa Owner
WHY DO NAIL TECHNICIANS NEED INSURANCE?
Even the most experienced nail technicians can still make mistakes during treatment, and unforeseen accidents can come from anywhere in a place like a salon. Certain injuries to hands or feet can cause life-long disabilities, and the medical costs can easily reach into the tens or even hundreds of thousands of dollars.
Instead of constantly worrying about the repercussions if something goes wrong, nail tech insurance provides you with the peace of mind that, if the worst happens, your clients can get the money they need while your finances and reputation remain protected.
HOW MUCH DOES NAIL TECH INSURANCE COST?
The Beauty and Bodywork Nail Tech Insurance policy starts at only $9.99 for monthly coverage, or you can elect to pay $96 for a full year of coverage.
Once enrolled, selecting the EZ-Renew option automatically renews your policy each year on the date at which you first purchased it. If you’d like to add an endorsement, like tools and equipment coverage, additional insureds, or something else, this option will be available at checkout and will change the overall price of your policy.
Quote-Free Application Process for Nail Tech Insurance
Join the tens of thousands of nail techs nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Other Common Nail Tech Insurance Coverage Questions
Can I Add Additional Insureds?
Yes! You can add additional insureds when filling out your nail tech insurance application, or any time afterward right from your dashboard. One additional insured costs $15, and an unlimited amount costs $30.
What Are Additional Insureds?
Additional insureds are third parties that receive protection from a potential claim that might arise because of your nail business-related actions.
When renting a booth at a salon, for example, nail technicians are usually required to add the salon or property owner to their insurance policy as an ‘additional insured.’ You might also be asked to add a third party as an additional insured when providing mobile services at an event venue or for a facility, such as a wedding venue or trade show.
Can Nail Tech Insurance Cover Mobile Services?
Yes! Nail technician insurance from BBI travels with you anywhere in the United States and Canada, meaning that your mobile nail technician services are covered.
Does Nail Tech Liability Insurance Cover My Equipment?
Liability insurance on its own won’t cover the loss, theft, or breakage of your salon equipment. To ensure that you aren’t left without crucial equipment in these cases, you need to enroll in BBI’s Tools and Equipment Coverage (also called Inland Marine).
This coverage is an optional endorsement you can choose for an additional $16, and it provides $2,000 of protection for all insured equipment. You can select the Inland Marine insurance endorsement when you fill out your initial policy application, or you can add it to your policy at time. Simply:
1. Log in to your customer dashboard
2. Select “Change policy options” and select Tools and Equipment option
3. Checkout and pay.
How Can I Fill Out An Application?
We’ve made it easy for you to purchase your nail tech insurance policy online in just 10 minutes! To start:
- Click on the “Buy Policy” link.
- Fill out the form with your information, the services you offer, any optional endorsements, and any additional insureds.
- Decide whether you’d like to pay month-to-month, or for an entire year of coverage.
- Click “Checkout” and pay online.
You're in good hands.
Here’s what other people have to say about their experience.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
