Nail Tech Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
- Trusted by 63,000+ beauty and bodywork professionals
Nail Tech Insurance From BBI
Beauty & Bodywork Insurance (BBI) is the best choice for protecting your nail tech business
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
Common Nail Tech Insurance Questions
What Does Nail Tech Insurance Cover?
Think of nail tech liability insurance as a protective topcoat for your business, keeping you safe from the risks of your line of work. It’s designed to protect you from paying out of pocket for costly claims involving your business. If a client gets hurt, insurance can cover their medical bills, your legal fees, and more.
BBI’s comprehensive nail tech insurance includes both general and professional liability in one policy. These coverages protect you from the most common types of claims nail technicians face, including:
- Client injuries, like slip-and-fall accidents or a cut from a cuticle trimmer
- Allergic reactions, like a client developing a rash on their hands the day after their manicure
- Property damage, like a client’s designer leather bag getting ruined by spilled acetone nail polish remover
BBI also includes other essential coverages in our base liability policy and optional add-on coverages, so you can customize your policy to your needs.
Run your own spa? Get coverage for all your nail techs under one easy policy with BBI Spa Insurance.
How Much Does Insurance for Nail Techs Cost?
BBI’s insurance for nail techs starts at just $9.99/month or $96/year. Because we specialize in insuring your industry, we offer one of the most affordable policies on the market.
For an additional cost, enhance your policy with optional coverages to fit your business needs. You pay only for what you need – nothing more!
Why Do Nail Technicians Need Insurance?
Even the most experienced nail techs make mistakes. Add in sharp tools, water-filled pedi basins, and products made with a variety of chemicals – a lot can go wrong. You need nail tech liability insurance to cover you for the what-ifs.
Plus, most nail salon owners require you to carry insurance and list them as additional insureds on your policy, before even considering you as a contractor. BBI makes it easy for you to meet these requirements and get to booking clients!
Focus on your artistry with essential coverage from BBI.
Take a quick look at how BBI compares to other nail tech insurance providers.
To see a more detailed breakdown of providers, check out our nail tech insurance comparison guide.
| Insurer | Starting Cost* | General & Professional Liability Coverage Included | Instant COI | Coverage Limits | Tools & Supplies Coverage | Buy 100% Online | Financing-Free Monthly Payment Available |
|---|---|---|---|---|---|---|---|
|
BBI |
$9.99/month or $96/year
|
✅ |
✅ |
$2 million per claim / $3 million aggregate |
Multiple options available |
✅ |
✅ |
|
Elite Beauty Society |
$179/year |
✅ |
✅ |
$2 million per claim / $3 million aggregate |
❌ |
✅ |
❌ |
|
Beauty Insurance Plus |
$169/year |
✅ |
✅ |
$2 million per claim / $3 million aggregate |
❌ |
✅ |
❌ |
|
Associated Nail Professionals |
$199/year |
✅ |
❌ |
$2 million per claim / $6 million aggregate |
❌ |
✅ |
❌ |
|
NACAMS |
$179/year |
✅ |
✅ |
$2 million per claim / $3 million aggregate |
❌ |
✅ |
❌ |
|
NEXT |
$45.84/month or $550/year |
✅ |
✅
|
$1 million per claim / $2 million aggregate |
❌ |
✅ |
✅ |
|
Hands On Trade Association |
$185/year |
✅ |
✅ |
$2 million per claim / $3 million aggregate
|
❌ |
✅ |
❌
|
BBI
Starting Cost*: $9.99/month or $96/year
General & Professional Liability
Coverage Included: ✅
Instant COI: ✅
Coverage Limits: $2 million per claim / $3 million aggregate
Tools & Supplies Coverage: Multiple options available
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ✅
Elite Beauty Society
Starting Cost*: $179/year
General & Professional Liability
Coverage Included: ✅
Instant COI: ✅
Coverage Limits: $2 million per claim / $3 million aggregate
Tools & Supplies Coverage: ❌
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ❌
Beauty Insurance Plus
Starting Cost*: $169/year
General & Professional Liability
Coverage Included: ✅
Instant COI: ✅
Coverage Limits: $2 million per claim / $3 million aggregate
Tools & Supplies Coverage: ❌
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ❌
Associated Nail Professionals
Starting Cost*: $199/year
General & Professional Liability
Coverage Included: ✅
Instant COI: ❌
Coverage Limits: $2 million per claim / $6 million aggregate
Tools & Supplies Coverage: ❌
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ❌
NACAMS
Starting Cost*: $179/year
General & Professional Liability
Coverage Included: ✅
Instant COI: ✅
Coverage Limits: $2 million per claim / $3 million aggregate
Tools & Supplies Coverage: ❌
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ❌
NEXT
Starting Cost*: $145.84/month or $550/year
General & Professional Liability
Coverage Included: ✅
Instant COI: ✅
Coverage Limits: $1 million per claim / $2 million aggregate
Tools & Supplies Coverage: ❌
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ✅
Hands On Trade Association
Starting Cost*: $185/year
General & Professional Liability
Coverage Included: ✅
Instant COI: ✅
Coverage Limits: $2 million per claim / $3 million aggregate
Tools & Supplies Coverage: ❌
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ❌
*To provide the most transparent comparison, starting prices were taken directly from each insurer’s website and reflect rates as of September 2025. NEXT’s rate is based on an online quote for a Utah nail technician operating as a sole proprietor, with no employees and $60,000 in annual revenue.
We’ll Take It From Here
Accidents happen – even to professionals. BBI’s got you covered for claims like these:
- $1,177
- $361
- $2,286
-$3,434
- $12,038
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
Quote-Free Nail Tech Insurance
Join over 63,000 professionals, including nail techs just like you, who have found peace of mind with BBI’s liability coverage.
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Optional Add-Ons
Your policy comes standard with the coverage listed in the chart above. To customize your nail tech insurance policy, choose from these optional add-ons:
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business essentials if they get damaged or stolen.
Good for: covering your nail tools, products, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: nail techs who book clients or accept payments online.
$4.92 – $6.96 / month
SAM Insurance can help pay for your defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Good for: peace of mind that your business and reputation are protected against misinterpretation or false allegations.
Currently unavailable for male massage therapists.
Other Common Nail Tech Insurance Coverage Questions
Can Nail Tech Insurance Cover Mobile Services?
Yes, your BBI nail technician insurance travels with you wherever you work (Missouri excluded). From the salon to your client’s home, your business is covered.
Are There Any Exclusions in Nail Tech Insurance Policies?
BBI’s nail tech insurance policy covers most common nail services, however, some beauty treatments are excluded. Check out our list of excluded methods to make sure our policy is a good fit for your business.
What Should Be Considered When Choosing a Nail Tech Liability Insurance Policy?
When choosing your nail tech insurance policy, consider pricing, coverage, customer service, as well as any of your business’ specific needs. BBI offers excellent-rated coverage at an affordable price, with customer-approved support (real humans!) who are ready to help you.
See why we’re confident you’ll love being insured with us: Why BBI?
You're in Great Hands
See what our happy policyholders have to say.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
