We offer some of the best rates on public liability insurance cover for both shop based and mobile nail technicians. You can easily tailor the cover to suit the needs of your manicurist business. If you are self-employed and rent a chair within a nail technicians salon then our liability policy is the perfect solution for your needs.
- Public Liability – core component
- Products Liability
- Professional Treatment Risk
- Employer’s Liability (optional)
For a quotation on nail technician insurance please complete our one step form and your details will be passed onto a number of specialist independent insurance providers who will contact you directly to discuss your requirements and provide you with terms.
Before you make a commitment and purchase the policy, a good practice is to read the nail technicians business insurance policy summary document and look at any exclusions and endorsements. If any of these items are unclear and need clarification, simply speak with the advisor and get them to send you an email confirmation.
The basic component of a nail technicians insurance policy is the public liability cover and from here you can add any other components to the policy. For example a mobile nail technician may need a commercial vehicle cover or certainly business use on their car. You may well use certain polishes and materials and thus need treatment risk cover and also product liability.
No professional is immune from accidents and furthermore you could use a product that causes some form of an allergic reaction to your customer. What do you do if they decide to sue you? Could you afford the legal costs in defending the case? This is an extreme example but it does happen and it just shows that you must do everything you can to protect your nail technician business. With the correct nail technician insurance policy you only have to concentrate on doing a fantastic job on your customer’s nails. If a claim materialises then just contact the liability insurers claim department and they will handle the matter from thereon.
As a professional, you must ensure that you are adhering to all health and safety guidelines within your industry. It is important to purchase products from reputable suppliers as inferior products fall under the category of ‘high risk’ in terms of treatment risk. An insurer calculates the premiums payable on mobile nail technician insurance package or premises based by taking into account various risk factors. These include sum insured and whether you work from client homes and also types of treatments carried out. Your experience as a nail technician and previous claims history are another two big factors in determining the price you pay for the policy.
Whether you operate as a mobile technician, freelance or work in a salon our intermediary partners can provide you with a standard public liability cover or a highly bespoke insurance for nail technicians by comparing quotes with conventional UK underwriters and also through the Lloyds of London market.