Underwritten by Aviva Insurance Limited

Nail Technician Insurance

Nail technician insurance with individuality

  • UK customer service team
  • Rated ‘Excellent’ on Trustpilot
  • Underwritten by Aviva
  • Award-winning insurance

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What is nail technician insurance?

You may not think of nail technology as a high-risk cosmetic treatment, but as with all small businesses, accidents can still happen.

Specialist nail technician insurance is designed to protect your business against costly claims from clients. It also provides financial protection if anything happens to your equipment or business premises.

Depending on the level of protection you choose, a policy can include cover for theft, or damage to your equipment—alongside protection against third-party claims for property damage or personal injury.

You can also include buildings cover if you own or are responsible for the premises you operate in.

Why choose Ripe

Insurance you can get creative with

The beauty of our flexible cover means you choose what you need and won't pay for anything you don't.

Beautifully simple

We've made taking out cover online super quick and beautifully simple, with no lengthy forms or confusing jargon.

We wow our customers too!

Not only is our cover rated 'Excellent' on Trustpilot, but 98% of our customers intend to renew their cover with us.

What does nail technician insurance with Ripe cover?

Other beauty trades we insure


We also cover a list of treatments included as standard for each trade. You can view them here.


Why choose us?

You can get the specialist cover you need easily, leaving you to focus on your clients.

  • Insurance with individuality

Just like your services will be unique to each of your clients, you can tailor your insurance to suit the unique needs of your business.

  • We keep our customers happy

Over 320,000 happy Ripe customers already trust us for their insurance cover. Join them and enjoy the confidence it brings.

  • We’ve got good chat

Like you, we know how important it is to build a rapport with your clients, so our UK based customer service team is on-hand to talk.

Find out more

Nail technician insurance FAQs
  • How much does nail technician insurance cost?
    • The cost of insuring your nail technician business can vary greatly as many factors can affect the insurance cover. These include:

      • level of experience
      • number of employees
      • where the business is based
      • the type and level of cover you choose

      Here at Ripe, we try to keep insurance simple, and we believe you should only pay for the cover you need. You can save money and time by creating your own policy through an instant online quote.

    What type of nail technician insurance should I consider?
    • The level of cover you choose depends on what you want to protect your business against and the risks that come with the treatments you provide. Generally, there are three main types of nail technician insurance are:

      • Public and Products Liability—this cover is included on all policies and protects you against third-party claims for personal injury or property damage
      • Employers’ Liability—this cover is a legal requirement for those who have employees 
      • Equipment Cover—this insurance covers your business equipment if it is damaged or stolen both at and away from your premises 


      You may want to include Money Cover to provide financial protection if money belonging to your business is stolen from your premises or in transit. This can be useful for mobile nail technicians that deal in cash.

      Buildings Cover is another option if you want to protect a premises you own or are responsible for if the building or contents become damaged.

    What insurance should self-employed nail technicians consider?
    • Public and Products Liability is ideal for self-employed nail technicians who either rent a chair in a salon or work from a home-based set-up, as it protects you if you damage third-party property or cause injury to another person whilst at work.


      Say you accidentally spill nail glue onto a client’s expensive jacket, or a client suffers an allergic reaction during treatment—Public Liability including treatment risks could provide financial protection in these circumstances.


      Equipment Cover is another go-to choice for those with stock and equipment they would like to protect both at and away from their premises.


      If you own or are responsible for a premises, you may also opt for Buildings Cover for financial protection against accidental damage to any buildings.

    What insurance should mobile nail technicians consider?
    • Both Public and Products Liability and Equipment Cover are common insurance choices for mobile nail technicians—they travel to their client’s homes and usually require cover for accidental injuries to their clients, damage to third-party property, and their own equipment.


      For example, despite using high-quality products, a client may suffer an allergic reaction, or you could spill nail gel on their expensive carpet. Public Liability would protect you in this instance.


      Or a client could accidentally knock your nail lamp onto the floor—equipment cover would ensure this is repaired or replaced if it is damaged.


      You may also want to include Money Cover to ensure any cash belonging to your business is covered if it’s stolen during transit.

    What kind of insurance should nail salon owners consider?
    • Employers’ Liability insurance is a legal requirement for salon owners, as it covers the businesses’ legal liability to employees if they are injured at work.


      For example, if an employee trips on a wet surface and injures themselves, Employers’ Liability cover could prevent your business from suffering a significant financial loss if they decide to make a claim.


      Public and Products Liability is also included on all policies and protects the business against third-party claims for personal injury or property damage.


      Additional cover options for salon owners include Contents Cover, Stock Cover and Shop front fixtures and fittings or tenants’ improvements Cover.


    Can I be a nail technician without a certification?
    • While you don’t require formal certification to become a nail technician, it’s certainly good to have basic training in nail treatments to operate a reputable business.


      On top of getting certified, obtaining specialist insurance before providing treatments to clients will ensure your business is protected against claims.

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Help and advice for your business

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