A beautician is painting a woman's nails in a salon.

Nail technician insurance

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We guarantee to beat your new insurance quote or renewal premium from any other insurer.

New policies only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Quotes valid for 30 days

Get free 24/7 legal advice and access to an online legal documents service with Legal Essentials Included as standard when you buy or renew any of our business insurance policies. The legal helpline and document services are provided by DAS Legal Expenses Insurance Limited. For niche legal advice and some jurisdictions, the 24/7 helpline will refer you to specialist advisers, available Mon-Fri, 9am-5pm, excl. bank holidays.

Cover for salon, home-based and mobile nail technicians

At Direct Line for Business, we appreciate how hard you work to keep your customers' hands and feet looking and feeling good. And if you're a pedicurist, manicurist or both, we work hard to provide you with the insurance you need.

Whether you're doing mobile manicures, polishing nails on your own premises or sculpting them in a salon, you can create a nail technician insurance policy that's just right for your business.

Using our new insurance tool, you can choose the policy features that you need and change them at any time without paying any admin fees. So you only pay for the cover that you need for your nail technician business.

Confused by an insurance term?

Look it up in our jargon buster

Read on to find out about some of the insurance features you can choose.

Our standard cover

No matter where you work, in the course of your day a client could accidentally be injured or you could cause damage to their property. They could simply slip and hurt themselves while visiting you. You might even spill lotion on an expensive rug, causing damage to their home.

Public and Products Liability Insurance covers claims for personal injury and damage to third party property made by members of the public. It's designed to pay your legal costs and if you're found to be at fault, compensation (up to the chosen limit) and the claimants' legal costs.

Nail Technician Insurance - cover options

Here are some of the cover options available to you:

Our treatment liability cover insures you for any illness or injury caused by any of the manicure and pedicure services below, as long as you're qualified to do them. For nail technicians, the cover will come with these standard treatments:

  • Applying nail extensions and nail coatings, such as varnishes and coatings cured using UV lamp
  • Applying nail art
  • Cutting and shaping nails

You can add other treatments too. Find out more here.

Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.

Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

We cover you for £10 million, as standard. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you.

Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

You can choose Personal Accident as an add-on once you've completed your quote.

Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4-hour response time. Extreme weather and remote locations may extend the response time.

Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.

There's no excess to pay and no limit on how often you can claim.

You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.

Home emergency isn't currently available on policies that include commercial premises.

For more information click here.

Why choose Direct Line for Business?

0% finance in the first year

Plus, if you'd like to spread the cost of your policy in your first year with us you can pay monthly for your beauty insurance for no extra cost (Subject to status. 18s and over. 0% APR representative). There's also no minimum premium amount for you to qualify for Direct Debit.

No need to be a member of any guild or association

Just starting out as a beauty therapist or beautician and want to get insured? You don't need to be registered with any associations or guilds to take out our Beauty Insurance. All we ask is that you're appropriately qualified for the treatments you're carrying out.

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Frequently asked questions

The cost of nail technician insurance depends on many factors. So rather than providing a potentially misleading average figure, we recommend getting a quick quote online or talking to one of our experts over the phone.

As a nail technician, whether home-based, mobile or working in a salon, you might assume the chance of an accident is minimal. But slips, trips and other mishaps do happen and cause injuries in UK places of business. Bearing in mind you're working with corrosive substances and using sharp tools, an accident leading to a compensation claim could be very costly.

Damage to nails or cuticles caused by a treatment would not be covered by your public liability policy. So you'd need to add treatments liability cover to your policy if you wanted to be covered against these kinds of claims.

If you have treatments liability cover and you're covered for the particular treatment , you'd be covered for related claims. However, public liability would not cover you against these kinds of claims.

Yes, our Treatments Liability cover would cover you for both manicures and pedicures if you're qualified for the work you're carrying out.

Yes, we do cover students. For treatments the students are performing, they must be under the direct and continuous supervision of someone who holds the relevant treatment qualification for it.

If in doubt call 0345 303 1762 and speak with one of our insurance specialists.

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