Nail Technician Insurance

Coverage will vary depending on your business needs, but the following policies are commonly included for nail technicians:

• Professional Liability Insurance: Sometimes called errors and omissions (E&O) insurance, professional liability covers you against allegations that you (or a full-time employee) were professionally negligent while providing a service. For example, a client alleges that one of your full-time nail technicians was too rough when providing a manicure, causing painful damage to their nail beds. Should they sue, professional liability insurance can cover legal defence fees and the cost of related damages.

• Commercial General Liability (CGL) Insurance: CGL coverage protects you against day-to-day risks of running a business, such as a slip-and-fall accident or damage to a third party’s property. In the event of a claim, CGL can cover legal costs and other costs such as related third-party medical fees. Say you accidentally spill a bottle of nail glue over a client’s phone and bag, ruining their belongings. The client could hold you responsible for the cost to replace or repair their items – CGL could cover these costs.
  • Product Liability Insurance: As part of a CGL policy, you can also be covered for the liability risks you face when using or selling products in your nail salon. For example, you sell a nail varnish remover to a client, but it causes them to have an allergic reaction that needs medical attention. Product liability may cover legal defence costs and other damages, such as medical bills.

• Commercial Property Insurance: Whether you rent a salon or work from home,  protect your business property and equipment with commercial property insurance. This policy can protect your assets from insured events, such as a fire, vandalism, theft, and certain extreme weather events. For example, suppose the neighbouring unit catches fire, and your salon suffers from severe smoke damage. In that case, commercial property insurance could cover smoke damage restoration costs and other costs needed to repair or replace your damaged contents.