Insurance Designed for Nail Technicians

You’ll need more than fingernail polish remover to help you recover from a lawsuit.

Liability Coverage for Nail Techs

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.


Per Year

Liability Policy

Program Highlights

  • Buy Online - Process Takes About 10 Mins
  • General and Professional Liability
  • Products-Completed Operations
  • Personal and Advertising Injury
  • Damage to Premises Rented to you
  • Inland Marine/Business Personal Property

No quote process   •   Instant coverage   •   A+ rated insurance Carrier

Insurance for Nail Techs

BBI is the Coverage you need

Unfortunately, accidents can happen anywhere, even at a nail salon. In fact, many salons require their nail techs have liability coverage before they can rent a booth. While this may seem a little harsh, it is for your benefit.

Are you financially prepared in case a sharp tool you used to give a client a pedicure accidently cuts 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.

But not if you have already reduced or eliminated that risk. Our online Beauty and Bodywork Insurance (BBI) policy offers liability insurance for professional and student 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.

Coverages & pricing

** Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.

liability policy

This policy is for professionals who work in the Beauty and Bodywork Industry.


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liability policy

This policy is for students currently enrolled in a beauty or massage school.
About Student Policy


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Program benefits

  • 24/7 Access to Policy Documents
  • Quality insurance
  • Convenient Online Purchasing
  • No Quote Process
  • Licensed In All 50 States
  • Instant Coverage
  • No Deductible on Liability Claims
  • A+ Rated Insurance Carrier
  • One Policy for Multiple Methods
  • Peace of Mind

1 Additional Insured $15 | Unlimited Additional Insureds $30

General & professional liability limits

General & Professional Liability Aggregate $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
Each Occurrence $2,000,000
Damage to Premises Rented to you $300,000

Additional limits

Inland Marine / Business Personal Property $2,000
Deductible $100

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No pressure. No hassles.

Who we are

The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.

Veracity Insurance Solutions

Veracity Insurance Solutions

Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.

Great American Insurance Group

Great American Insurance Group

Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.

Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)

Popular methods

The nail tech industry isn’t just for nail decorators. There are many different methods and practices that a nail technician can specialize in, and BBI wants to make sure that all are covered. The policy was created to make sure that people who love working on finger and toe nails have coverage. Some of the specialties include: