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Nail Technician Insurance

Nail technician 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 technician insurance?

You may not think of nail technology as a high-risk cosmetic treatment, but as with all small businesses, accidents can still happen.

Specialist nail technician insurance is designed to protect your business against costly claims from clients. It also provides financial protection if anything happens to your equipment or business premises.

Depending on the level of protection you choose, a policy can include cover for theft or damage to your equipment—alongside protection against third-party claims for property damage or personal injury. You can also include buildings cover if you own or are responsible for the premises you operate in.

If you have your own nail salon, you may want to consider nail salon insurance through Ripe.

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 technician 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.

  • 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 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 Salon

 

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 technician insurance FAQs
  • What is public liability insurance for a nail tech?

    • Public liability insurance gives you, your employees, and your business protection against legal action if the following were to occur:

      • an injury or accidental damage caused by you or an employee
      • illness or injury caused by you, a product, or a business activity (such as a client experiencing a to one of the products you use)
      • damage to someone’s property caused by a business activity
    What information do I need to get a quote for nail tech insurance?

    • To get a quote from us, you’ll need to know the type of policy you’re looking for as well as your main trade (you have the option to add further trades if you wish) and how many years of experience you have.

      We’ll also need to know your business’ details and what cover you would like to include in your policy. Get a quick quote online today.

    How much does nail technician insurance cost?

    • The cost of insuring your nail technician business can vary depending on several factors. These include:

      • level of experience
      • number of employees
      • where the business is based
      • the type and level of cover you choose

      Here at Ripe, we try to keep insurance simple, and we believe you should only pay for the cover you need. See if you could save money and time by building your own policy and getting an online quote through us.

    What type of nail technician insurance should I consider?

    • The level of cover you choose depends on what you want to protect your business against and the risks that come with the treatments you provide. Generally, the three main types of nail technician insurance are:

      • Public and Products Liability—this cover is included on all policies and protects you against third-party claims for personal injury or property damage
      • Employers’ Liability—this cover is a legal requirement if you have employees 
      • Equipment Cover—this covers your business equipment if it is damaged or stolen both at and away from your premises 

       

      You may also want to include Money Cover to provide financial protection if money belonging to your business is stolen from your premises or in transit. This can be useful for mobile nail technicians that deal in cash.

      Buildings Cover is another option if you want to protect a premises you own or are responsible for if the building or contents become damaged.

    What insurance should self-employed nail technicians consider?

    • Public and Products Liability is ideal for self-employed nail technicians who either rent a chair in a salon or work from a home-based set-up, as it protects you if you damage third-party property or cause injury to another person whilst at work.

      Say you accidentally spill nail glue onto a client’s expensive jacket, or a client suffers an allergic reaction during treatment—both Public Liability and Treatment Risk cover could provide financial protection in these circumstances.

      Equipment Cover is another go-to choice for those with stock and equipment they would like to protect both at and away from their premises.

      If you own or are responsible for a premises, you may also opt for Buildings Cover for financial protection against accidental damage to any buildings.

    What insurance should mobile nail technicians consider?

    • Both Public and Products Liability and Equipment Cover are common insurance choices for mobile nail technicians. They travel to their client’s homes and usually require cover for accidental injuries to their clients, damage to third-party property, and their own equipment.

      For example, even if you use high-quality products, a client may still suffer an allergic reaction, or you could spill nail gel onto their expensive carpet. Public Liability could protect you in this instance.

      Or a client could accidentally knock your nail lamp onto the floor—Equipment Cover would ensure this is repaired or replaced if damaged.

      You may also want to include Money Cover to ensure any cash belonging to your business is covered if it’s stolen during transit.

    What kind of insurance should nail salon owners consider?

    • Employers’ Liability insurance is a legal requirement for salon owners, as it covers the businesses’ legal liability to employees if they are injured at work.

      For example, if an employee trips on a wet surface and injures themselves, Employers’ Liability cover could prevent your business from suffering a significant financial loss if they decided to make a claim.

      Public and Products Liability is also included on all policies and protects the business against third-party claims for personal injury or property damage.

      Additional cover options for salon owners include Contents Cover, Stock Cover, Shop front fixtures and fittings, or Tenants’ improvements Cover.

    Can I be a nail technician without a certification?

    • While you don’t require formal certification to become a nail technician, it’s certainly good to have basic training in nail treatments to operate a reputable business.

      On top of getting certified, obtaining specialist insurance before providing treatments to clients will ensure your business is protected against claims.

    How do I make a claim?

    • If you need to make a claim, then simply call us on 0333 400 9296 to speak with our claims handlers at The Davies Group. Their opening hours are 9.00am to 5.30pm from Monday to Friday, excluding bank holidays. You can also send them an email at newclaim.smallbusiness@davies-group.com.

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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