Nail technician insurance

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What's on this page

Why do you need nail technician insurance?

Our policies go far beyond public liability insurance. Injuries and property damage are a risk for nail technicians, but so are your own accidents, tool theft, and even employee claims if you’ve hired a team.

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 technician insurance UK-based claims and customer service team
  • public and product liability insurance between £1 million and £5 million
  • peace of mind, letting you focus on the nails, not the what-ifs

Insurance for nail technician pros – what’s covered?

We’ll start with public liability insurance, designed to cover you against accidents in a client’s home, at a salon, or elsewhere. Lots of nail technicians add cover for their stock and kit, plus personal accidents which could keep them or an employee signed off work. And if you do employ anyone, employers’ liability cover is usually a legal requirement.

  • Public liability insurance for nail technicians

    In case your nails business causes an injury or property damage.

  • Employers’ liability insurance

    In case anyone gets ill or injured while working for your nails business.

  • Tools insurance

    In case your nail technician tools are lost, stolen, or damaged.

  • Stock insurance

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

  • Business and office equipment insurance

    In case something happens to the equipment you use to run your business.

  • Legal expenses insurance

    In case you have to pay legal costs connected with your nails business.

  • Personal accident insurance

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

  • Public liability insurance for nail technicians

    In case your nails business 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 nails business
    • an injury or illness caused by your business activities or products
    • accidental damage or injuries caused by your employees

    For example:

    • one of your clients suffers an allergic reaction, triggered by their gel nail application
    • you spill acrylic gel over your customer’s expensive rug during a home visit, which needs replacing

    What you’ll need additional cover for

    • If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

    Read more about public liability insurance

  • Employers’ liability insurance

    In case anyone gets ill or injured while working for your nails business.

    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 suffers a severe allergic reaction to a new product you’re trialling, and needs to take a few weeks off work
    • you’ve hired a temporary employee for the busy wedding season and they fall down the stairs at a client’s house, breaking their leg

  • Tools insurance

    In case your nail technician tools are lost, stolen, or damaged.

    What’s typically covered by tools insurance?

    • your nail tech equipment, like your handheld tools or portable electronics
    • theft or accidental damage while your tools are on a client’s premises, or in transit (in the UK, and in a vehicle you own or lease)

    For example:

    • while working on a large event, a fire breaks out in the hotel you’re working from – you evacuate but five of your drill kits are destroyed
    • you’re on a train home from a wedding job and someone steals your kit bag from the overhead baggage rack

    Read more about tools insurance

  • 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 summer stock delivered to your garage, and an overnight leak destroys everything
    • during a break-in, your entire polish collection and coloured dipping powders are stolen from your salon

    Read more about stock insurance

  • Business and office equipment insurance

    In case something happens to the equipment you use to run your business.

    What’s typically covered by business and office equipment insurance?

    • theft of the equipment you use to operate, from your laptop to your manicure station
    • loss of your equipment
    • flood, fire, or accidental damage

    For example:

    • you’ve turned your home garage space into a nail salon and keep most of your equipment there – during a break-in, your laptop, phone, and six curing lamps are stolen
    • a bad storm over Christmas causes a leak in your home salon, damaging your curing lamps, sound system, and champagne fridge

    Read more about business and office equipment insurance

  • Legal expenses insurance

    In case you have to pay legal costs connected with your nails business.

    What’s typically covered by legal expenses insurance?

    • legal costs attributed to your nails business
    • 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 technician

    For example:

    • you need to pay legal fees when an employee brings a liability case against you
    • HMRC investigate 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 sprain your wrist while on holiday and can’t work for two weeks
    • your business partner cuts her finger while cooking and needs stitches – she won’t be able to work for at least two weeks

    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 technician 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 £4.74 per month

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The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example nail technician quotes, real prices

axa

£7.62 /month

£56.15 /year

A self-employed, qualified nail technician who works in a health club and clients’ homes

  • 1-2 years’ experience
  • Sole trader
  • No employees
  • Based in Exeter

Public liability

£1,000,000

Employers’ liability

Not included

Tools

Not included

£26.81 /month

£238.34 /year

A nail technician company, offering home visits and working in nail bars and salons, as well as hairdressing salons

  • 5+ years’ experience
  • Limited company
  • 2 employees
  • Based in York

Public liability

£1,000,000

Employers’ liability

£10,000,000

Tools

£2,000

How we work out example quotes These examples are real quotes from our online system (created 25/10/2022). 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

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

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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Only pay for what you need

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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.

  • Can I just cover my most expensive tools?

  • Which type of workers do I need insurance for?

  • Will tools insurance cover all my equipment?

  • Does nail technician insurance cover my work correctly?

  • Do I need cover for other types of work?

  • 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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0333 043 8527

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Contact us on our website whenever suits you

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Call our insurance experts during office hours (calls are charged at a local rate)

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.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Example claim

Having professional nail insurance through Simply Business has saved technicians thousands of pounds when the unexpected happened.

Danielle saved more than £5,000

Danielle (not her real name) was working across a wedding weekend when her employee spilled polish over three of the client’s bridesmaid dresses. Her nail technician insurance included public liability cover for the accidental damage, as well as employers’ liability for her team.

Insurance payout

£5,030.00

Covering the cost of accidental damage

Insurance payout

Covering the cost of accidental damage

Covering the cost of accidental damage

Chosen by nearly 1 million small businesses and landlords

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

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Nail technician insurance 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 nail tech insurance. You can also check out our business insurance FAQs.

Because you’re in close contact with clients and you visit them at home and in other venues, protection for public liability claims can provide a certain amount of peace of mind. It works to cover you for injury and damage claims, usually from clients or members of the public.

For example, imagine your equipment burns a hole in your client’s carpet, or a chemical causes damage to their skin. Your nail technician public liability insurance could cover the legal fees and compensation payment, which may take into account costs like medical bills and lost income.

Even if you’re all set up at home and don’t often travel for work, your business still 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.

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a nail technician, you may also do the odd waxing job – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

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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