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As a self-employed nail technician, you specialise in making your clients look and feel their best, from taking care of cuticles to adding hot splashes of colour to fingers and toes.
But any business that comes into close contact with clients faces certain risks. A nail technician insurance policy will have your back if you face a compensation claim, and it can cover other things too, including your equipment.
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Like other businesses, most nail technicians and manicurists who don’t have any employees are not legally obliged to have business insurance, but insurance can be crucial if your business faces an expensive hurdle.
Public liability insurance is important for any business that comes into contact with members of the public (unavoidable when you’re giving manicures), and other insurance can cover other aspects of your business. For example, tools insurance can keep your specialist equipment covered, and personal accident insurance can pay if you’re injured inside or outside of work.
We know that many nail technicians work out and about at client’s homes and workplaces rather than from their own business premises. Our insurance has been built with mobile nail technicians in mind, to include key cover like public liability insurance, business equipment and tools cover, but without covers you don’t need like business buildings insurance.
If you do have your own premises, check out our nail salon insurance instead.
The exact insurance you need depends on your business and the risks you face, but these are some of the covers that are useful for freelance nail technicians.
Public liability insurance will cover you for compensation claims made by a member of the public for injury or damage caused by your business. For example if you visited a client at home and spilt nail varnish over an expensive rug, you could face a substantial compensation claim. Public liability insurance can cover the legal fees and the compensation payment, up to the limit of your policy.
Build a tailored policy by adding other covers to your nail technician insurance policy. You may want to cover your business equipment, your tools, and your stock. If you have any staff (even contractors, temporary staff and apprentices), you’re usually legally required to have an employers’ liability policy.