Insurance for nail salons
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Why do you need nail salon insurance?
Insurance for nail salon businesses can provide far more than public liability insurance. Third party accidents are a big risk for salons, but so are employee claims, your own accidents, and damage to your essential stock.
On the move and need mobile nail technician insurance? We’ve got that covered too, with policies designed for freelance and mobile nail pros.
- nail salon insurance quotes from £3.49 a month, based on 2023 data
- public and product liability between £1 million and £10 million
- peace of mind, letting you focus on the nails, not the what-ifs
What does insurance for nail salons cover?
We’ll start with public liability insurance, designed to cover you against third party accidents in the salon, or elsewhere. Lots of nail professionals add cover for their supplies and stock, plus personal accidents which could keep them or an employee signed off work. And if you do employ anyone, employers’ liability cover is usually required by law.
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Nail salon liability insurance
In case your nail salon causes an injury or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your nail salon.
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Stock insurance
In case the products you and your clients rely on are lost, stolen, or damaged.
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Legal expenses insurance
In case you have to pay legal costs connected with your nail salon.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does nail salon insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.49 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance – 10% of customers paid £41.87 or less annually between 1st Oct 2023 – 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
Example nail salon quotes, real prices
£52.47 /month
£466.41 /month
A small nail bar with qualified persons situated in a shopping centre and who do not offer treatments away from the business
- 1-2 years’ experience
- Limited company
- 1 employee
- Based in Edinburgh
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£5,000
£73.96 /month
£657.45 /month
A medium sized nail bar with qualified persons situated on the high street and who offer treatments away from the business
- 5+ years’ experience
- Shop
- 5 employees
- Based in Oxford
Public liability
£5,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£15,000
How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Stock | £100 | £500 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Which type of workers do I need insurance for?
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Does nail salon insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
Example claim
Having nail salon insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Tanya saved more than £2,200
While carrying out a manicure, Tanya (not her real name) slips and cuts her client’s hand, which then becomes infected. The public liability cover in her nail salon insurance policy covers the claim costs.
Insurance payout
£2,205.00
Covering the cost of accidental injury
Insurance payout
Covering the cost of accidental injury
Covering the cost of accidental injury
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Business insurance for nail salon pros FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for nail salon businesses. You can also check out our business insurance FAQs.
Whether you run a salon or run a mobile business, or both, your business faces specific risks.
Public liability insurance is a popular cover for the beauty industry, as it can protect you from a claim if someone is injured or their property gets damaged because of your nail tech work. Lots of businesses also choose to add tools, business equipment, and stock cover for the essential items they rely on.
And you’ll usually need employers’ liability insurance if you employ anyone – for example a temp you hire during the busy wedding season or an assistant. It’s almost always a legal requirement, so don’t leave it out, even if you’re based at home.
This depends on your business, and which insurer is providing your cover. Prices start from £5.92 a month for our nail salon customers – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July – 31 December 2020). Most customers pay more than this but some pay less.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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