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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$96/ year

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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 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.

Common Nail Tech Insurance Questions

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.

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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.


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You can check out BBI’s coverage details today to read through the specifics of the policies offered. We’ve made it easy for you, so you can purchase your nail tech insurance policy online in just 10 minutes.

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Join the thousands of beauty professionals nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a nail tech insurance quote today.


per year

General & 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.


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.


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


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.


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.


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.

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, 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 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

There are many different modalities and practices in the beauty and cosmetics industry. We believe that all of these are useful and don’t want to exclude any of them. Our BBI policy was created to give professionals and students the insurance they need at a price they can afford. Some of the other methods we offer insurance for are: