Getting insurance as a nail technician
Whether you’re a mobile nail technician, you run your own beauty salon, or you work from home, you spend your day working with people. That may be the best part of the job, but you could have to deal with a client who suffers a reaction, trips over a cable or is just unhappy with the final result. With business insurance for nail technicians from Hiscox you’ll be covered for those unexpected times, including tailored cover for public liability and professional treatment liability, protecting you against the cost of defending or settling a claim.
Why you need business insurance for nail technicians
A reaction to a nail product
Imagine a client becomes ill soon after a nail treatment, she has to spend a day in hospital and is off sick from work. Blaming a reaction to a product applied during her manicure she takes legal action for her injury and loss of income. Medical malpractice insurance covers the cost of defending and settling the claim.
An unhappy client
A bride trips and falls over a tangled cable at a nail technician’s home, breaking her ankle just days before her wedding. Although the wedding goes ahead, she claims the injury has ruined her big day. Public liability insurance covers the legal claim and subsequent settlement.
A damaged work laptop
A laptop used for appointments and processing payments for treatments is damaged or stolen, which means you’re unable to access appointments or invoice your customers. Portable equipment insurance covers the cost of replacing the laptop as well as a range of portable devices, from computers to mobile phones, which means you can get back in business quickly.
If you’re not sure what you need, tell us a little more about your what you do. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for nail technicians
Public liability insurance
Working with the public is a big part of your job, but you need to be covered for any claims that might arise, whether they’re directly related to your work or not. Public liability insurance protects you if a member of the public claims they’ve been injured or their property was damaged because of your products or services or because of something you or an employee did. It covers the cost of compensation and the legal expenses of the claims process. Both public liability and product liability cover will help you with the costs of compensation and the legal expenses of the claims process.
Portable equipment insurance
You rely on specialist equipment to do your job, in the salon or out and about, but you also need your laptop and smartphone. They help you to keep your business running, so clients can contact you and so you can invoice them. But what if they’re damaged or stolen? Whether they’re owned or hired they can be covered for replacement or repair with portable equipment insurance cover as part of your business insurance for nail technicians.
Professional treatment liability insurance
If a customer claims that they suffered an injury or illness as a result of your work or because of a product you used, the costs of defending or settling a claim are covered by professional treatment liability insurance. It’s designed for people who provide hands-on treatment and guidance and as part of a tailored business insurance package, it also covers risks such as sharing confidential client information and libel or slander.
These are just some of the types of business insurance for nail technicians that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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