Nail Tech Insurance
People use their hands and feet every day. Many of them rely on you as a nail technician to keep their fingernails and toenails looking healthy and beautiful. Unfortunately, accidents can happen anywhere, even at a nail salon. Obtaining nail technician insurance provides you peace of mind as you work.
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$15 per Additional Insured or $30 for Unlimited
BBI is the Coverage you need
Accidents can happen anywhere, even at a nail salon. In fact, many salons require their self employed nail technicians to have liability coverage before they can rent a booth. This coverage protects the nail tech in the event an accident occurs.
For example, what if a sharp tool you used to give a client a gel nail pedicure accidently cut them? What if they have to go to the hospital, or they sue you? You could be forced to pay thousands of dollars out of your own pocket in damages.
Do not get caught off guard. Our online Beauty and Bodywork Insurance (BBI) policy offers liability insurance for professional nail technicians. This means you won’t have to stress financially if a client is injured.
Whether you need coverage as a manicurist or insurance as a glitter and nail decorator, BBI is there for you.
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without nail tech insurance coverage, you could be held liable for these claims.
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.
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without nail tech insurance coverage, you could be held liable for these claims.
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.
Common Nail Tech Insurance Questions
Our certified agents are always ready to relieve stress and answer your questions about our nail tech insurance. Here are the most common questions we get.
How Much Does Nail Tech Insurance Cost?
The Beauty and Bodywork Nail Tech Insurance policy costs only $96 for the full year of coverage. You can pay for the nail tech insurance policy in one yearly payment, and select EZ-Renew, so that your policy automatically renews each year. If you’d like to add an endorsement, like tools and equipment coverage, this option will be available at checkout.
One of the best ways to boost your credibility is to purchase nail tech liability insurance to shield you against third-party damage claims and lawsuits filed due to alleged negligence on your part.
Can I Add Additional Insureds?
When renting a booth at a salon, most nail technicians are required to add the salon or property owner to their insurance policy. This is referred to as an ‘additional insured.’ You can add additional insureds when filling out your nail tech insurance application, or any time afterwards.
Additional insureds receive protection from a potential claim that might arise because of your nail business-related actions. One additional insured costs $15, and an unlimited amount costs $30.
How Can I Fill Out an Application?
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Quote-Free Application Process for Nail Tech Insurance
Join the tens of thousands of nail techs nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!
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.
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