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What is Nail Technician Insurance?

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  • Written By: Mary McMahon
  • Edited By: Kristen Osborne
  • Last Modified Date: 29 November 2016
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Nail technician insurance is an insurance product designed for nail technicians, workers who perform services like manicures, pedicures, and applications of false nails. Insurance companies that specialize in covering spa service providers like massage therapists and aestheticians usually offer nail technician insurance. Prices for policies vary and it is important to read through quotes carefully to understand the type of coverage being offered.

An insurance plan will cover several areas of potential liability. The first is professional or malpractice liability. Nail technicians can be liable for causing injuries in the course of doing their work, as for example if a service provider accidentally cuts a client during a pedicure and the cut becomes infected. General or premises liability is important for so-called “slip and fall” cases and other situations where people bring suit as a result of conditions in the salon or spa. It is also important to have property insurance, including coverage for salon equipment, as this equipment can be quite expensive.

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A nail technician insurance policy is often designed to cover a mobile nail technician, someone who travels to provide nail services. People who travel should make sure that this coverage is offered, as other plans are limited to specific premises. Nail technicians should make sure they have adequate vehicle insurance if they travel, and if they work out of their homes, it is important to be aware that home insurance usually specifically excludes business endeavors, so premises insurance is necessary even if home insurance is already being carried.

Nail technicians who work in spas and nail parlors may be covered by their employers. In other cases, employers expect their nail technicians to provide proof of insurance, especially in facilities where technicians rent space rather than being employees. In these cases, the spa may request that it be named on the policy as well to ensure that it is covered in the event of an accident or event.

An insurance specialist can help a nail technician decide on the best nail technician insurance product. There are a number of options to consider, including the total liability coverage available and the types of coverage offered. Some nail technicians find it helpful to consult other people in the trade to get information about the available plans. People who are already carrying insurance may have recommendations for specific companies that offer better services or rates for nail technician insurance coverage, and can also advise people about insurance companies to avoid.

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honeybees
Post 4

What might someone expect to pay for nail technician insurance? I have all the qualifications to be a nail technician and am currently trying to decide where I want to work.

I have an opportunity to work at a place where I would be renting out my own space. One of the biggest advantages of doing this is the potential to make more money. I would also be required to pay for my own insurance.

I have not checked into this yet to see how much this would cost me on a monthly basis. If it is too expensive, I will probably just go to work for someone as an employee.

andee
Post 3

I travel from place to place to give manicures and do nails. I have my own business and most of my clients are in nursing homes or rehab facilities. The center will hire me to come in and work on their residents nails.

This is a very rewarding job and it is amazing how getting your nails done can really uplift someone and help them feel a little better about themselves.

I probably do more manicures than anything, but some of my clients want artificial nails, tips, nail art, etc. Because of the nature of my job I carry mobile nail technician insurance.

Having this insurance gives me peace of mind knowing that I will be covered if someone ever has a problem with my services.

SarahSon
Post 2

When I worked at a nail salon I didn't have to worry about carrying any kind of nail technician insurance. Since I was an employee of the company, all of this was paid for by my employer.

All I had to do was show up for work and take care of the customers who came in to get their nails done. There have been times when I have thought about going into business for myself, but have talked myself out of it because I don't think I want all the extra responsibility.

There is a lot you have to consider and making sure you have the right insurance for your business and equipment is crucial. Sadly, there are some people who are looking for a reason to sue someone, and I don't think the liability risk would be worth it.

John57
Post 1

I have a friend who opened up a nail salon in her home several years ago. She had to go through quite a bit of paperwork in order to get everything set up and running properly. She wanted to make sure she was covered and had the right insurance if something were to go wrong.

Since clients were coming to her home, she had to make sure she had premises insurance in addition to her home owners insurance. In this type of situation you really need to make sure you are covered because you never know what might happen that is out of your control.

She ended up only being in business for a few years. Paying for the insurance became too expensive when the economy got bad and she lost several of her customers.

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