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Insurance for nail salons

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What's on this page

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 £5.92 a month, based on 2019 data
  • public and product liability between £1 million and £10 million
  • peace of mind, letting you focus on the nails, not the what-ifs
Start your quote

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.

Nail salon liability insurance

In case your nail salon causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your nail salon
  • an injury or illness caused by your business activities or products
  • accidental damage or injuries caused by your employees

For example:

  • a client suffers an allergic reaction to an ingredient in one of the products you’re using
  • you spill polish onto a customer’s handbag, causing permanent damage

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your nail salon.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your employees trips down the stairs at the back of your salon, breaking their arm
  • you’ve hired a temporary employee for the busy wedding season and they trap their hand in the salon door, causing multiple fractures

Stock insurance

In case the products you and your clients rely on are lost, stolen, or damaged.

What’s typically covered by stock insurance?

  • loss, damage, or theft of the essentials you keep in stock, like acrylic liquid and powder

For example:

  • you’ve just had all your new Christmas stock delivered to your salon, which gets stolen while you’re speaking to the delivery driver
  • a fire in your salon destroys your stock, and you need to replace everything during the busy summer build-up

Read more about stock insurance

Legal expenses insurance

In case you have to pay legal costs connected with your nail salon.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your nail salon
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes, and investigations you need help with
  • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation as a popular nail salon

For example:

  • you need to pay legal fees when an trainee brings a liability case against you
  • HMRC begin a randomised investigation into your tax affairs and you need to pay for legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death at or outside of work, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you injure your back while at the gym and can’t work at full capacity for at least two weeks
  • one of your employees, who you’ve covered on the policy, burns their hand in the salon and needs time off work

Read more about personal accident insurance

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 £6.79 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

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 coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo 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

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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We handle claims, so you can get on with business

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.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does nail salon insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider hairdressing insurance or mobile beauty insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


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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FAQs

Find answers to common insurance questions

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.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

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


Tanya’s costs

£100

The excess amount stated in Tanya’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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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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Insurance for nail salons

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