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Tailored Insurance for NAIL TECHNICIANS

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Nail Technician Insurance

Nail Technician Insurance is critical if you are a licensed nail technician. You can be sued – even if you have done nothing wrong. Cutting a client during a manicure or pedicure and causing them injury is something you could be held liable for. Your best solution is to protect yourself with nail technician insurance.


What kind of Liability Insurance is best for you?


The nail technician insurance that is best for you depends on the details of your business. Many Hiscox customers optimize their coverage by choosing both professional liability insurance and general liability insurance policies. To assure that you get the best coverage for your business, see the examples below.


Professional Liability Insurance 

Sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that provide professional and personal services – for businesses like yours. When is it important to have professional liability insurance for massage therapists? Examples include:

  • Protection even if you haven’t made a mistake: A nail technician gives a pedicure to a client, but foot lotion she applies afterwards causes an allergic reaction that alarms the client. She is so upset, she sees a doctor and insists that the nail technician pay the doctor’s bill. Professional liability insurance protects you if such a claim is made.
  • Loss of personal information: By mistake, you misplace a file with sensitive client information. It was an accident of course, and the information is compromised.  If your client sues you, we will cover claims subject to your limit of insurance.


Nail technician insurance protects you if you are sued for making a mistake - whether you actually made a mistake or not, and such a lawsuit can arise months or years after the event allegedly took place.  


Learn more about professional liability insurance or watch our professional liability insurance guide.


General Liability Insurance 

Sometimes called commercial general liability (CGL) is nail technician insurance that protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Having this kind of coverage is beneficial in several instances:

  • Claims of injury: A nail technician applies an expensive fingernail treatment to a client. The artwork is very intricate and takes a long time to complete. When the client gets up to stretch her legs before completing her service, she slips on a wet spot on the floor and has to go the emergency room.  General liability insurance could protect you against another person’s bodily injury or property loss or damage.
  • Client's property damage: You’re visiting a client’s home for an in-home massage and accidentally knock over a computer monitor, breaking it. Your general liability policy will cover the subsequent claim, up to your policy's limits of liability.


Learn more about general liability insurance or watch our general liability insurance guide.


Why Hiscox?

You need professional liability and general liability coverages to watch out for your salon, just like you watch out for your clients. Hiscox is here to do just that.

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Tailored Insurance: Insurance custom tailored to meet your needs and save you money
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  •  Trust Us: Hiscox maintains a 97% customer satisfaction ranking, and we’re rated ‘A’ (Excellent) by A.M. Best. This overwhelming majority of our insureds are confident in recommending us to their circles – which means they’re more confident operating their businesses with Hiscox behind them.


Get a fast, free quote now and get that Hiscox confidence behind your business.  If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.


This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm ET