Nail Technician Insurance

There’s some key attributes you should be looking for as you compare different insurance plans for nail technicians. One of the most important aspects of the insurance plan is that it has good sized limits for professional and general liability. These are two of the more common types of liability that professional nail technicians face throughout their careers. 

While the word cheap doesn't always conjure up quality, at Beauty insurance Plus we’ve worked really hard to create a program that’s both affordable and provides great coverage for our professionals. Our insurance plan pricing is easy to understand and straightforward because we charge one, low annual rate. Some other companies may dangle a low promotional rate and then tack on additional fees after the sales period is up or simply may charge you a premium because you live in one state versus another. 

Located just above in the body of this page, you’ll see a run down of our nail tech insurance program against that of our leading competitors. Why present our numbers right by theirs? Because we’re confident once you see how we stack up with more coverage options and better rates, you’ll join the hundreds of fellow beauty pros that trust us to have their backs and in turn rate our program so highly.

Bottom line, your insurance program should do more than protect. That’s why we include a benefits program that’s worth hundreds of dollars all on its own and is accessible on day one. In addition to liability coverage, included as a benefit to our members is important secondary coverage such as advertising liability coverage and an identity protection plan. 

Occurrence form coverage is an attribute of good nail technician insurance programs and something you should always make sure is in place prior to securing coverage. Occurrence form is the industry choice but some insurance companies choose to provide claims made policies. With claims made, you have to file your claim while your policy is still active in order for it to be considered. If your policy expired today but you have a claim event that occurred yesterday, you’ll probably be out of luck and not have any coverage for it. 

Occurrence form essentially goes the opposite route by saying that as long as the event occurs while your policy is active, it doesn’t matter when you file a claim, that event would still be covered. This is really important with nail technicians because often a client may wait a while after an appointment before leveling a claim against you.

In today’s digital world, almost everyone is looking up your business online before they ever step foot through your doors. If your digital presence is lacking, you could be missing out on web traffic to your competitors that have websites set up to advertise their services. Wanting our members to get great value with their nail tech insurance, our plans include a free professional website to start promoting your services online and reaching the people in your area searching for the nail services you provide.

Yes, you need to be properly educated and licensed as is appropriate for your particular location before you can be insured. We can’t insure something you aren’t legally able to provide so always be cognisant of your state and local authorities requirements for certified nail technicians. If you are moving, make sure to get the license transfer process started early as some states have additional testing and education requirements. Pro tip, make sure to be very familiar with your state board’s website!

Absolutely. We know your career as a nail technician will take many twists and turns and may have you moving locations, employers, or the way you provide services. For this reason, we include a provision called portability in our nail tech insurance program. Portability means your insurance policy follows you no matter where your career takes you regardless of your state’s nail technician requirements. Whether that’s renting booth space in a salon, as an employee at a spa, or providing in-home consultation, your nail technician insurance through BIP remains in place.

First up, always remember covered services are only covered when you are duly licensed and experienced to legally perform nail tech work in your given state. Beyond that, our program offers one of the very best diversity of covered services under nail technician insurance. In fact, we cover over 500+ different beauty and wellness programs all under one comprehensive program. With nail technician insurance just a few of the many covered services include: acrylic, airbrush designs, charms, false nails, foot scrubs, glitter, manicures, nail extensions, paraffin pedicures, polish, and varnishes.

Our insurance for nail technicians has limits set from keen insider’s knowledge within the beauty industry. To protect our members without providing more than what’s needed is a balancing act but one that we walk well every day. For just $169 per year, members enjoy high liability limits and additional protection limits including:

• Professional and General Liability Insurance: $2 million per occurrence
• Personal Injury and Advertising Injury: $2 million
• Identity Protection Plan: up to $25,000

We've made the process of adding an additional insured fast and easy. Please just fill out our Additional Insured Request Form to submit your request. After your request is submitted, one of our trained reps will contact you but note that all requests received after 4:00 PM EST will be processed the next business day.