What is nail technician insurance?
You could think of nail technician insurance as a good set of acrylics. Just as they are a hard protective layer coating your nails, nail technician insurance does the same for your business, potentially shielding you from the costs of a claim in case anything goes wrong.
Your nail technician insurance package will be made up of a selection of different policies, with public liability insurance and professional treatment liability insurance likely to be at the centre.
Public liability insurance for nail technicians is designed for times when a third party, for example one of your customers, is injured or has their property damaged due to your business activities. It might not necessarily cover your treatments, however.
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This is where professional treatment liability insurance comes in. It is for if a customer falls ill or becomes injured because of a treatment you have carried out, and will cover the legal fees and compensation costs of any claim made against you or your business.
If you sell any products, even if you haven’t manufactured them yourself, you may also want to consider product liability insurance. This covers you if the product causes injury to the customer, or damages their property.
As a nail technician, your tools are your livelihood. Tools and equipment insurance can help get them replaced if they are stolen, lost or accidentally damaged.
And if you employ any non-family members based in the UK, you are legally required to take out employers’ liability insurance. You’ll need an insurance policy worth at least £5 million, and you can be fined up to £2,500 a day if you are not properly insured.
Nail salon insurance
If you run your own nail salon, there may be some other types of insurance to consider, which wouldn’t be applicable to a home-based nail technician.
For example, you may want business buildings and contents insurance, to protect both the salon itself, and the fixtures and fittings inside.
Similarly, you might need stock insurance to cover items, such as polishes and powders, that are essential for you to keep in stock.
Business interruption insurance, meanwhile, can cover any lost income arising from your business premises becoming unusable – for example, due to a flood or fire.
Home-based nail technician insurance
Many of the nail salon insurance policies mentioned above may not be needed by self-employed, home-based nail technicians.
However, if you are visiting multiple locations for work, such as the homes of your customers, then you may need to take our business car insurance separate to your nail technician insurance policy.
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