Nail Tech Insurance Comparison Guide
Shopping for a protective topcoat for your beauty business? Compare nail tech insurance effortlessly, learn what to look for in coverage, and see why Beauty & Bodywork Insurance (BBI) is the best choice for safeguarding your career.
The Best Nail Tech Insurance From BBI
- Best overall: BBI
- Offers a student rate: Elite Beauty Society
- Highest aggregate coverage: Associated Nail Professionals
- Broad coverage of wellness services: NACAMS
- Choose your coverage limits: NEXT
- More personal community feel: Hands On Trade Association
Nail Tech Insurance Comparison Chart
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
Sexual Abuse & Molestation (SAM) Coverage: Available
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: ❌
Sexual Abuse & Molestation (SAM) 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: ❌
Sexual Abuse & Molestation (SAM) 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: ❌
Sexual Abuse & Molestation (SAM) 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: ❌
Sexual Abuse & Molestation (SAM) 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: ❌
Sexual Abuse & Molestation (SAM) Coverage: ❌
Buy 100% Online: ✅
Financing-Free Monthly Payment Available: ❌
| Insurer | Starting Cost* | General & Professional Liability Coverage Included | Instant COI | Coverage Limits | Tools & Supplies Coverage | Sexual Abuse & Molestation (SAM) 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 |
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
|
❌ |
❌ |
✅ |
❌
|
*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.
What This Comparison Means for You
The two most important factors to consider when shopping for nail technician liability insurance are coverage and price. If you look at the chart above, you’ll see that the most common coverage limits are $2 million per claim and $3 million aggregate — the industry standard!
These coverage limits are precisely what you get with BBI’s professional policy at the lowest cost available.
Next, take note of any extra features important to you (like monthly payment options or optional coverage add-ons). If you’re looking for the best nail tech insurance, BBI’s got you covered. But keep reading for more details!
A Closer Look at Best Nail Tech Insurance Comparison
Beauty & Bodywork Insurance (BBI)
BBI’s nail tech insurance combines general and professional liability insurance into one easy policy, with optional add-ons to protect against physical theft or data breaches. Our flat-rate pricing is easy to understand, and you can buy your policy online in about eight minutes.
If you have questions about coverage, our licensed agents are ready to help. They don’t work on commission and are simply there to help you get the coverage you need.
Unlike other nail insurance providers, BBI never wraps association membership fees into the cost of our premium policy. Get affordable coverage you can count on — plus resources to glow up your business, at no extra charge.
*Currently unavailable for male massage therapists.
Cost and Coverage
Cost: From $9.99/month or $96/year — flat-rate costs
Coverages Offered
- General and professional liability insurance
- Personal and advertising injury coverage
- Products and completed operations coverage
- Fire legal liability insurance
- Medical expense limit
Add-Ons Offered
Pros and Cons
✅ Affordable, top-rated coverage
✅ Tailored specifically for beauty and bodywork professionals
✅ Occurrence-form coverage for long-term peace of mind
✅ Instant coverage and certificate of insurance (COI)
✅ One policy covers 250+ services
✅ Multiple add-on coverages available
✅ Annual or monthly payment options (no financing required)
✅ Exclusive resources to support your business
❌ Currently not available for purchase in Missouri
❌ Cyber liability insurance is not automatically included
❌ Currently no microblading coverage is offered
Standout Features
- Licensed, non-commissioned customer support team
- Multiple coverage tiers for business tools and supplies
- Simple, transparent base policy pricing with optional add-ons
- Easy online purchase and policy management
- Coverage that follows you wherever you work
- No deductible for liability claims
- No membership fees
Elite Beauty Society / Beauty Insurance Plus
Elite Beauty Society and Beauty Insurance Plus are the same insurance provider, though marketed differently. They offer the same coverages and benefits; however, Beauty Insurance Plus starts at $169/year.
This nail tech policy includes an identity protection plan (cyber liability insurance), but only for up to $25,000 in coverage. BBI’s optional cyber liability insurance add-on includes $100,000 in coverage for $79/year. Added to BBI’s base policy of $96/year, this totals $175/year, which is still more affordable (with more coverage) than Elite Beauty Society’s cost.
With this policy, you do get extra perks, but it costs more. Plus, there are no coverage options to protect your tools and supplies.
Cost and Coverage
Cost: $179/year
Coverages Offered
- General and professional liability insurance
- Personal and advertising injury coverage
- Identity protection plan (cyber liability)
Add-Ons Offered
- Microblading coverage endorsement
- Additional insureds
Pros and Cons
✅ Instant coverage
✅ Student rate available
✅ Full-time, part-time, and 2-year rates available
✅ Coverage for most beauty and wellness services
✅ Microblading coverage endorsement available (+$499)
✅ Member perks
❌ Monthly payment option is only offered through PayPal Credit financing
❌ No tools and supplies coverage available
❌ No SAM coverage available
Standout Features
- Coverage for 500+ services
- Discounts on their health insurance marketplace
Associated Nail Professionals
Associated Nail Professionals offers the highest aggregate coverage on this comparison list at the third-highest price point. Most nail technician insurance policies include aggregate coverage of $3 million, so with this policy, you may end up paying extra for limits you’re unlikely to use.
BBI offers the industry standard in coverage limits, $2 million per claim and $3 million aggregate, meaning you are protected with coverage limits that industry professionals feel most comfortable with — for about half the cost of Associated Nail Professionals’ policy.
Associated Nail Professionals doesn’t offer any coverage add-ons, nor a monthly payment option, so it may be suited for nail technicians who want to pay once annually for basic liability coverage.
Compared to BBI’s customizable policy with optional add-ons and flexible payment options, this nail tech policy is more of a rigid, one-size-fits-all option.
Cost and Coverage
Cost: $199/year
Coverages Included
- General, professional, and product liability insurance
Add-Ons Offered
- Additional insureds
Pros and Cons
✅ Highest aggregate coverage ($6 million total)
✅ Nail technician-specific coverage
✅ Member perks
❌ No instant coverage (application must be verified before insurance is granted)
❌ No tools and supplies coverage available
❌ No SAM coverage available
❌ No monthly payment option
Standout Features
- Membership-based insurance coverage
- Free website builder for policyholders
NACAMS (Association of Complementary and Alternative Medicine)
NACAMS also includes an identity protection plan (cyber liability insurance) in the base policy, but only for up to $25,000 in coverage. Their modality focus is broader, covering more alternative fitness and wellness services — not just beauty. They also state that coverage limits may differ based on your primary modality.
They do not offer optional coverage add-ons, except for a microblading endorsement. You also cannot pay monthly for this policy unless you pay via PayPal Credit financing.
In comparison, BBI offers an option for cyber liability insurance for $6.58/month for four times the amount of annual coverage ($100,000). Plus, BBI’s base policy price never changes according to your main modality, and you have the option to add extra coverage based on your needs.
Cost and Coverage
Cost: $179/year
Coverages Included
- General and professional liability insurance
- Personal and advertising injury coverage
- Identity protection plan (cyber liability)
Add-Ons Offered
- Microblading coverage endorsement
- Additional insureds
Pros and Cons
✅ Instant coverage
✅ Member perks
✅ Coverage for most fitness, wellness, and beauty professionals
✅ Student and 2-year rates available
✅Microblading coverage endorsement available (+$499)
❌ Monthly payment option is only offered through PayPal Credit financing
❌ No tools and supplies coverage available
❌ No SAM coverage available
❌ Coverage limits may differ based on modality
Standout Features
- Coverage for 500+ services
- Wellness-focused association
NEXT
NEXT’s coverage is known for offering a modern, tech-first experience. However, pricing is difficult to gauge, and you must complete an application to receive a unique quote. Coverage limits are customizable, but the highest coverage option available is $1 million lower for both occurrence (claim) and aggregate (total for the policy), compared to the industry standard.
NEXT also offers multiple coverage add-ons, but they may not all be relevant for nail technicians.
In comparison, BBI’s policy, which you can buy 100% online in under 10 minutes, has a flat-rate cost for all beauty and bodywork modalities — with fully transparent pricing for the base policy and any add-ons. Plus, get more coverage at a more affordable cost.
Cost and Coverage
Cost: $45.84/month or $550/year (based on online quote received)
Coverages Included
- General and professional liability insurance
- Fire legal liability insurance
- Medical expense limit
Add-Ons Offered
- Excess liability coverage
- Employment-related practices liability coverage
- Cyber liability insurance
- Terrorism coverage
Pros and Cons
✅ Instant coverage
✅ Customizable coverage limits
✅ Flexible coverage add-ons
❌ Obscure policy pricing
❌ Coverage limits are lower compared to other policies
❌ Not beauty-specific coverage
❌ No tools and supplies coverage available
❌ No SAM coverage available
❌ No member perks
Standout Features
- Wide range of coverages available to customize your policy
- Pricing is unique to your business, but it is less transparent
- Designed for digital-savvy small businesses
Hands On Trade Association
Hands On Trade Association offers nail tech insurance at the second-highest price point on our comparison list. Their coverage is beauty- and bodywork-specific, including basic general and professional liability insurance.
Although their coverage application is online, they do not offer automatic renewal or live chat support to answer your questions. And you must pay the entire annual premium upfront.
BBI’s nail tech policy offers EZ Renew, an automatic renewal feature, so you never have to worry about a lapse in coverage. And our customer support team is made up of licensed, non-commissioned agents who can help match you with the coverage you need.
Hands On Trade Association offers a more personal, non-corporate feel, but with no additional coverage options or streamlined policy management.
Cost and Coverage
Cost: $185/year
Coverages Included
- General and professional liability insurance
Add-Ons Offered
- Additional insureds
Pros and Cons
✅ Instant coverage
✅ Beauty-specific insurance
✅ Membership association
✅ Student rate available
❌ No tools and supplies coverage available
❌ No SAM coverage available
❌ No monthly payment option
❌ No automatic renewal
❌ No live chat support
❌ No unlimited additional insureds
Standout Features
- More personal, non-corporate-feel insurance
- “Student to Professional Rate”: Lock in student rate (before graduating) for a full year before paying the regular rate
What to Look For When Comparing Nail Tech Insurance Policies
Comparing nail tech insurance is a whole other world from comparing matte, chrome, or glossy lacquer finishes, but that doesn’t mean it has to be hard. Here are the main factors to consider when shopping for coverage.
Look for affordable policies, especially ones that offer monthly payment options without the need for credit financing, so you know you’re not shelling out extra dollars that can be better spent growing your beauty business.
You don’t need unreasonably high aggregate coverage, nor do you want to go with the lowest coverage available — it should be a happy medium that gives you peace of mind you’ll be protected against claims.
You can’t do business without your nail drills, lamps, and collection of polishes and powders, so look for an insurer that offers coverage options for your tools in case of theft or damage.
If you ever need help managing your policy or filing a claim, you’ll be glad you decided on a provider with excellent customer support. Read customer reviews to ensure your insurance company will be there when it matters.
The Best Nail Technician Insurance From BBI
Your base policy includes $2 million in coverage per claim and $3 million total for the entire year from $9.99/month or $96/year (the lowest beauty professional insurance cost out of all competitors!).
No other nail tech insurance policies offer multiple options to cover your movable business essentials against theft or damage.
Our flexible monthly or annual payment options let you choose how you want to pay for your policy, minus the stress of credit financing like other insurers offer.
No matter how you shape, paint, and create beautiful nails, your coverage keeps up with you and is available to buy or edit 100% online, any time.
Get Covered With BBI
Why BBI? Whether you create gorgeous nail art or specialize in classic looks, BBI is designed to protect your beauty business. After you compare options, get covered by the insurer who truly understands your industry — and join over 69,000 nail pros who already work with BBI peace of mind.
FAQs About Comparing Nail Tech Insurance
What Is the Best Insurance for Nail Techs?
The best insurance for nail techs offers comprehensive coverage and flexible policy options — all priced for value. BBI’s professional policy includes essential general and professional liability insurance, with optional add-ons, from $9.99/month or $96/year.
With BBI, enjoy additional benefits like an online user dashboard, actually helpful customer support, and resources to help your business grow.
What Types of Insurance Do Nail Technicians Need?
Nail technicians need general and professional liability insurance to protect against client accidents and (real or perceived) professional mistakes during service. Other coverages BBI recommends are:
- Tools and supplies coverage for the gear you can’t do business without
- Cyber liability coverage in case you experience a data breach at your business
- Sexual abuse and molestation (SAM) coverage* if you’re ever accused of misconduct at your business
- Cupping or microcurrent endorsement if you offer these specialized services
- Salon or spa owner insurance if you run a nail business and manage a team
*Currently unavailable for male massage therapists.
How Much Does Nail Tech Insurance Cost Per Policy?
Nail tech insurance ranges from $100 to $500+ per annual policy. BBI offers the most affordable nail tech insurance on the market with top-rated coverage from $9.99/month or $96/year. Our costs are transparent, and you only pay for the optional coverages you need.
What Does Nail Tech Insurance Typically Cover?
Nail tech insurance typically covers:
- Client slip-and-falls
- Client property damage
- Allergic reactions to products
- Unintentional professional mistakes
- Client-related accidents at your business
- Fire damage to rented property
Your base general and professional liability policy is designed to cover the above risks. With a BBI professional policy, you can add more coverage to safeguard your business according to your specific needs.
Learn more about why nail techs need insurance.