Nail technician insurance

Secure insurance for nail technicians quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
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Nail technician insurance UK
Nail technician insurance UK
Nail technician insurance UK
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What is nail technician insurance?

Self-employed nail technician insurance usually isn’t one thing. Nail technicians often purchase several products to meet the insurance needs of their work.

Because you’re working with people, public liability is the first consideration to protect you from unforeseen accidents. However, as a nail technician you provide treatments and advice therefore professional indemnity insurance is also important.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do nail technicians need insurance?

A client getting injured

Where chemicals and sharp tools are used, an accident can happen anytime, no matter how careful and well-trained you are.

Treatment goes wrong

A client may demand compensation because a treatment you provided caused health issues.

Something you said is taken out of context

You have a personal relationship with your clients and a lot is said during a session. You may face a legal claim if you say something that is misinterpreted.

Contractual disputes

Nail technicians who rent space in a salon or operate their own nail salons may encounter contractual disputes with landlords, salon owners, or clients. 

Mobile nail tech insurance

As a mobile nail technician you’ll be travelling to events and your clients’ homes to deliver your services. The risk of being sued for damages following an accident that caused an injury or property damage is much higher. 

As an independent mobile nail technician, you should never work without nail technician liability insurance that protects from legal claims of making a professional error or causing an accident.

Public liability insurance for nail technicians

Public liability insurance protects nail technicians when they face a legal claim following accidents that led to injuries or property damage. 

Self-employed nail technicians have up-close and personal contact with their clients. They also share space at salons to provide treatments. Both expose nail technicians to public liability claims if an accident happens.

Public liability insurance for mobile nail technician

Mobile technicians have the additional risk of visiting their clients’ homes. Incidents like spilling polish on an expensive carpet, knocking over a piece of art or forgetting to close the door allowing a much loved pet to escape can lead to compensation demands.. 

What does nail tech public liability insurance cover?

Suppose someone makes a claim against you for causing an accidental injury or property damage or loss. In that case, public liability insurance will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A wobbly chair or a hand slip causes an accidental injury to a client.
  • You accidentally spill nail polish on your client’s expensive clothes or handbag.
  • When standing up from the chair, a client trips and falls. They blame you for the accident and ask you to pay their medical expenses.

Professional indemnity insurance for nail technicians

Professional indemnity insurance, sometimes known as treatment liability, protects nail technicians from claims or accusations of wrongdoing resulting from their professional advice and services.

Professional indemnity insurance will immediately have your back if you receive an unhappy email, phone call or text threatening to sue you or demanding financial remedy. 

Your insurers will appoint the appropriate legal aid to review your situation and advise you on what to do next.

What does nail tech professional indemnity insurance cover?

Professional indemnity insurance for nail technicians is there to provide you legal advice and defence. Following a legal claim resulting from your professional conduct and duties, your legal team will advise on next steps and will take over if appropriate to settle the claim. 

The insurance will also pay compensation if you are found liable.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • A client accuses you of ruining their nails, demanding monetary compensation.
  • You may have said or done something that caused upset, and a client feels entitled to compensation.
  • You’re facing legal allegations from a third party for not adhering to health and safety regulations

What professional indemnity limit do nail technicians need?

The professional indemnity limit you need will reflect your particular nail tech activities. When choosing a limit, consider how often you work, how many clients you have, and the possible financial impacts if your nail tech advice or treatment goes wrong.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your hairdressing insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep nail tech professional indemnity insurance if I pause or retire from my self-employment?

It’s wise to keep your professional indemnity if you retire or take a break from work. Claims against professional misconduct can surface weeks or months after you delivered treatments.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of work you did and the likelihood that a client might bring a claim against you.

Other self-employed nail technician insurance to consider

Other insurance you will need as a nail tech will depend on your circumstances. Could you afford a legal dispute? How would you deal with a tax issue?

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect you against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist you in dealing with these issues. We call this Business Legal Protect, and it’s part of your Suited subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You’ve suffered a chargeback of a large amount and wish to take legal action
  • You’re in a contract dispute with a salon

Shopping for nail tech liability insurance

Whether or not you decide to use Suited nail tech insurance to protect your business, it’s worth keeping the following in mind:

Nail technician insurance cost

Some providers offer rock-bottom prices and ask that you pay up front., But after-sales service could be lacklustre accompanied by extra charges. When it comes to nail technician insurance, pay monthly should always be an option. That is why at Suited we offer a simple monthly subscription at no extra cost.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

In this section
Suited awards.

Common questions

What insurance do you need as a nail tech?

As a minimum, you should protect yourself against legal claims from third parties and clients accusing you of causing harm or property damage. The two covers that when combined protect you are professional indemnity and public liability insurance.

How much does nail tech insurance cost?

Nail technician insurance cost will depend on what covers and limits you select but can be pretty affordable, starting under £10 a month.

Do you need to be insured to be a nail tech?

If you work independently, there is no legal or other requirement to have nail tech insurance. However, if you are renting space in a salon, you may be asked to have particular insurance in place.

Do you I need nail tech qualifications?

You shouldn’t practise any profession without appropriate experience or qualifications. This applies to nail technicians as well. Your claim may not be paid if you’re not qualified or sufficiently experienced.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Insurance made better

Self-employed insurance done fast, clear and upfront.

Mobile nail technician insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

A plus rating.
Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Contact us
Prefer to speak?

Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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