Nail technician insurance

12 months for the price of 10

When quoted online. New policies only. Introductory discount applied over the first 12 months. Other available discounts will be applied consecutively. Excludes Landlord and Van policies. Ends 3rd Nov 2021.

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Quotes valid for 30 days

Get 10% off business insurance if you're already a Direct Line customer.
Discount applies to your new business policy. Discounts applied consecutively.

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.

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or call us on 0345 878 5606

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

Our standard cover

Public and products liability insurance for nail technicians

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:

Nail treatments liability cover
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 or call 0345 878 5606
Theft of takings

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

There are a few exceptions but if you have employees then by law you need to have Employers' Liability Insurance. It covers your legal costs if they suffer illness or injury in the course of their work for you. Click here to read a guide which provides details of who is an employee and which organisations are exempt.
Personal accident

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.

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or call us on 0345 878 5606

How we can help

Call centres open Saturday and Sunday

Busy making your clients look great Monday through to Saturday? Our call centres are also open weekday evenings until 8pm, 9am - 5pm on Saturdays, and on Sunday from 10am - 4pm.

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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Get a quote

or call us on 0345 878 5606

Frequently asked questions

QHow much is nail technician insurance?

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.
QAs a nail technician, do I really need public liability cover?

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.
QWould my policy cover me if I were sued for damaging a client’s nails?

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.
QAm I covered against claims that a mistake I made gave a client an infection?

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.
QAre both manicures and pedicures covered in your treatments liability cover?

Yes, our Treatments Liability cover would cover you for both manicures and pedicures if you’re qualified for the work you’re carrying out.
QDo you provide student nail technician insurance?

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.