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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Accidental damage.
Book debts/account receivable.
Business interruption.
Contents.
Employers' liability.
Glass.
Money in safe.
Money on premises.
Public and products liability.

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.

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