nail technician insurance

Nail Technician Insurance

We specialise in catering for the insurance needs of the hair and beauty industry.

Nail technician businesses vary greatly, from running a mobile business to renting a chair in a salon or nail parlour. Whatever type of nail business you run, your clients expect expertise, care, and a little pampering. For their protection and for your reputation, you need appropriate nail technician insurance in case something goes wrong.

 

At smei, we understand that each nail business is unique, so we can arrange a flexible policy that can be adapted to suit your specific nail tech insurance requirements. We can arrange a policy that covers a range of nail treatments, including nail art, extensions, manicures, the cutting and shaping of nails, nail varnishes, and nail coatings.

 

We're passionate about championing the high street and helping nail technicians like Christine's Beauty in Prestwich, Manchester (pictured above). So whether you’re self-employed, freelance, or mobile, we can arrange a specialist nail technician insurance policy that’s personalised especially for you.

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Standard Covers**

  • Accidental damage.

  • Book debts/account receivable.

  • Business interruption.

  • Contents.

  • Employers liability.

  • Glass.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

Optional Covers**

  • Embedded breakdown.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Did you know we can also arrange Beautician Insurance? We can arrange a tailored policy perfect for your business.

Other Types of Business Insurance for Nail Technicians

If you employ staff in your nail business, whether on a permanent, casual, or temporary basis, it is a legal requirement to have employers liability cover.

Without your tools and equipment it would be difficult to carry out your job, so you need protection should they become damaged or be stolen.

Product liability cover provides protection should your client suffer an allergic reaction to a treatment, and if you run a mobile business you’ll need cover for your vehicle too.

Nail Technician Public Liability Insurance

However skilled you may be at your job, accidental snips, trips, or slips could see you knock varnish or acetone over a client’s expensive coat or designer handbag, or sterilising your tools incorrectly could leave your client with an infection in their nail bed, leaving you facing an expensive claim.

For this reason, public liability insurance for nail technicians is a key part of your policy. It protects you if a client, supplier, or member of the public suffers injury or illness, or damage to their property because of your negligence. Nail tech public liability insurance covers you for the cost of the claim, plus legal expenses.

Smei also arranges a host of specialist, professional beauty insurance products.

Terms and Conditions

* Click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

Frequently asked questions

The type of cover you need depends on the type of hairdresser you are. For example, all hairdressers need to have public liability insurance to cover their legal liabilities in the case of damage or injury to clients. Salon owners will need business interruption cover to ensure they're protected if, for example, fire prevents the business operating. Mobile hairdressers may need goods in transit cover to protect business equipment and stock against damage while in transit between customers. If you're unsure of the type or level of cover you'll need, our team will be able to help guide you. The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So whether you're a salon owner, freelancer, or are a mobile hairdresser, we will search for the cover you require and present you with the choices available. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will present you with the possibilities so you can make an informed decision on what option is most appropriate for you. Yes. No matter how skilled and experienced you are, accidents sometimes happen. A momentary lapse in concentration could result in an accidental snip on your client's ear, or a burn caused by hair straighteners. If you drop chemicals onto your client's expensive carpet, you could be left facing an expensive bill for replacement. Public liability insurance for mobile hairdressers provides cover if a client or member of the public sues you for injury or damage. This key element of your insurance could cover you for the compensation payment and any associated legal fees. Yes. As a mobile hairdresser, your clients are likely to vary greatly, from busy executives that are time-poor and love the convenience of a hairdresser coming to them, to the elderly who are unable to travel, or a bride preparing for her big day. However, they all have one thing in common: they expect a professional job and maybe a little pampering too. We provide Mobile Hairdresser specific insurance to make sure your business is covered.

91% of our customers would recommend our service

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Wouldn’t go anywhere else! I have used smei for many years. I always get reminded when it’s that time again. I have always found them to be very helpful and they do try to get you the best deal.

Morag Ross

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