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Nail Salon Insurance

Nail salon insurance with individuality

  • UK customer service team
  • Quick and simple process
  • Over 25 years' experience
  • Award-winning insurance

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What is nail salon insurance?

Nail salon insurance is financial protection that covers your business against unexpected accidents. You can customise your policy to include different levels of protection, including cover for theft or damage to your equipment or your liability to employees and customers.

Why choose Ripe

Insurance you can get creative with

The beauty of our flexible cover means you choose what you need and won't pay for anything you don't.

Beautifully simple

We've made taking out cover online super quick and beautifully simple, with no lengthy forms or confusing jargon.

We wow our customers too!

Not only is our cover rated 'Excellent' on Trustpilot, but 98% of our customers intend to renew their cover with us.

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Our cover
Important documents
Why choose us?
FAQs
Help and advice

What does nail salon insurance with Ripe cover?

What's covered

  •  Public and Products Liability

Up to £10m of cover is included as standard and can protect you against third-party claims for injury or property damage.

  • Treatment risk cover

Protects your liability against third-party claims for injury or property damage following beauty treatments up to the value of £3m.

What's not covered

  • Working abroad

Only policyholders working in the UK can be covered. Claims brought in from another country cannot be covered.

  • Treatments involving the use of injections

We will not cover any treatment involving the use of injections, alongside a list of specifically excluded treatments.

  • Injury to the public whilst teaching

Teaching cover does not include this, as students must have their own insurance to protect their liability.

  • Closure due to disease

Business interruption cannot be covered due to disease outbreaks classified as pandemics by the World Health Organisation.

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles cannot be covered, unless all points of access are locked or the vehicle is stolen at the same time.

  • Exclusions to buildings, shop front, and contents cover

Excludes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.

  • Exclusions to money cover

Excludes theft from employees if not reported to the police within 7 days and theft from an unattended vehicle.  

What's optional

  • Contents, stock, and shop front cover

You can cover your contents, stock, shop front, fixtures, and fittings up to a combined value of £250k.

  •  Employers’ liability

This cover protects your liability following illness or injury to an employee up to the value of £10m.

  • Buildings cover

We provide up to £500k of cover for your salon’s building, including any outbuildings, walls, gates, and fences.

  • Teaching cover

Provides cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.

  • Money cover

You can cover the theft of money from your business up to the value of £2,500.

  • Business interruption

Covers loss of turnover or the additional costs of keeping your business running up to the value of £500k if you cannot trade.

  • Legal cover

You can select up to £100k of cover for costs incurred from defending or pursuing a claim for a range of legal issues.

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Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Other beauty trades we insure

Hairdressers

Beauticians

Nail Technicians

 

We also cover a list of treatments included as standard for each trade. You can view them here.

 

Why choose us?

You can get the specialist cover you need easily, leaving you to focus on your clients.

  • Insurance with individuality

Just like your services will be unique to each of your clients, you can tailor your insurance to suit the unique needs of your business.

  • We keep our customers happy

Over 320,000 happy Ripe customers already trust us for their insurance cover. Join them and enjoy the confidence it brings.

  • We’ve got good chat

Like you, we know how important it is to build a rapport with your clients, so our UK based customer service team is on-hand to talk.

Find out more

Nail salon insurance FAQs
  • Why should I consider nail salon insurance?

    • Whilst the excitement of launching a salon is a major attraction to many nail technicians, becoming responsible for an entire business can carry its risks.

      There are obvious theft, fire, and accidental injury risks which could occur at any time and leave you with expensive legal or repair costs.

      Say one of your employees slips on a wet floor and makes a claim against you, or the business property you’re liable for is damaged in a fire—having the correct nail salon insurance could save your business in the worst-case scenarios.  

    How much does nail salon insurance cost?

    • Many factors can affect the cost of your makeup artist insurance, such as:

      • the number of staff you have

      • where your business is based

      • the type and level of cover you choose

      At Ripe, we strive to make insurance simple and believe you should only pay for the cover you need. You can save money and time by providing some quick details about your business and getting an instant online quote today.

    What is included in nail salon insurance as standard?

    • At Ripe, each nail salon insurance policy includes public liability, products liability, and treatment risk cover as standard.

      You can customise your policy to include various optional extras, so you only ever pay for the cover you need to manage your salon with peace of mind.

    What is nail salon liability insurance?

    • Public and products liability cover is designed to protect you from any third-party claims for injury or property damage arising from running your salon.

      Say you spilt nail glue on a client’s expensive handbag, and they made a claim against you, public liability insurance could provide financial protection.

      Another example is if a product you’ve supplied to a client gives them an allergic reaction, this is where products liability cover would protect you.

      At Ripe, up to £1.25m of nail salon liability cover is included as standard, but you can opt for up to £10m of cover.

    Do I need insurance to teach others in a college or teaching facility?

    • While it’s not compulsory, you might want to consider teaching cover to protect yourself against potential negligence claims.

      Say one of your students fails to become qualified and sues you for the costs of retraining. Teaching cover could provide financial protection so the damage to your business and reputation is minimal.

    Do I need insurance if I employ others in my salon?

    • It’s a legal requirement in most cases to have valid Employers’ Liability insurance. This can be included as an optional extra when you’re customising your policy.

Help and advice for your business

A guide to starting a beauty business

Looking to start your own beauty business? Here is our ultimate guide on how to get started.

Read our business guide here

The ultimate guide to hairdresser equipment

As a hairdresser, it's vital that you have the right tools. Here is our guide on getting the best equipment.

Read our guide here
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