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Beauty Insurance Plus

Beauty Insurance Plus - Professional Liability Insurance

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Nail Tech Insurance

The #1 Choice of Insurance for Nail Technicians


The nail industry has a growth rate faster than the average for all occupations. You are the smile on a bride’s special day. You are the gift on a best friend’s birthday. You are the support on a client’s stressful day at work.

Transforming hands into a work of art, you instill creativity, confidence, and trust in your clients.

Because your profession is so rewarding, it is important to be diligent about the problems filing away at your success.

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The nail industry has a growth rate faster than the average for all occupations. You are the smile on a bride’s special day. You are the gift on a best friend’s birthday. You are the support on a client’s stressful day at work.

Transforming hands into a work of art, you instill creativity, confidence, and trust in your clients.

Because your profession is so rewarding, it is important to be diligent about the problems filing away at your success.

Why Do I Need Insurance?

Unfortunately, lawsuits against nail technicians are common. These claims do not discriminate on training or experience. Even the most recommended nail technicians are not immune.

Common Circumstances that Need Coverage

  • Slip and Fall
  • Infection
  • Allergic Reaction
  • Incorrect Treatment
  • Unsanitary Instruments
  • Stolen Equipment
  • Rental Damage


Why Do I Need Insurance?

Unfortunately, lawsuits against nail technicians are common. These claims do not discriminate on training or experience. Even the most recommended nail technicians are not immune.

Common Circumstances that Need Coverage

  • Slip and Fall
  • Infection
  • Allergic Reaction
  • Incorrect Treatment
  • Unsanitary Instruments
  • Stolen Equipment
  • Rental Damage

Nail Tech Liability Insurance

$159
Annually

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With Beauty Insurance Plus, your insurance rate stays the same, regardless of the amount of disciplines you practice. Click here to see the list of modalities covered.

You have 99 problems, but paying $100,000 out of your own pocket on bodily injury claims should not be one. We have a solution that can help protect you from a career-ending incident.


Insurance Benefits for Beauty Professionals

  • Professional & General liability insurance: $2 million per occurrence; $3 million individual annual aggregate
  • Product Coverage: $2 million
  • Rental Damage Coverage: $100,000
  • Stolen Equipment Coverage: $1,000
  • 50% off 2 Month Subscription to GlossGenius, #1 scheduling software.
  • Identity Protection Plan
  • PLUS FREE Professional Website
  • PLUS exclusive member discounts
  • Coverage for 400+ modalities

Beauty Insurance Plus: Your Peace of Mind

As a Beauty Insurance Plus member, you won’t have to bite your nails in fear of a lawsuit. You will know that you are in good hands. With one of the lowest prices in the industry, our liability insurance program will provide you with:

Excellent customer service with live agents available 8:30-8:30 ET Monday through Friday + limited weekend hours

Instant coverage and proof of insurance at checkout

Occurrence form Coverage, the industry’s preferred choice

Additional Coverage like stolen equipment coverage, rental damage and identity protection.

Coverage for more than 400+ beauty and wellness services

Access to $750+ in member benefits and discounts including GlossGenius, ACA qualified health insurance, and more! 

Comparison Grid for Beauty Professionals

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What Nail Tech Services Do We Cover?

Nail Decorations

Acrylic
Airbrush Designs
Charms
False Nails
Foot Scrub
Gel
Gems
Glitter 
Instruction
Manicures
Nail Art
Nail Extensions
Nail Repair
Painting
Paraffin Pedicures
Polish 
Stencil Designs
Varnish
Youth

Skin Care

Non-medical Care of Skin

Acne Treatments
Body Scrub
Chemical Peel (no lasers)
Cold Light Series 6 Facials
Color Consultations
Cosmetic Massage 
Dermaplanning
Eyebrow Shaping
Eyebrow Tinting
Eyelash Extensions
Facials
Hair Removal (no lasers)
Herbal Wraps
Instruction
Make-up (not permanent)
Manicures
Micro-Current Toning
Micro Needling
Microdermabrasion 
Pedicures
Salt Scrub
Skin Peels
Ultra Sonic Facials
Ultra Sound Facials
Vitamin C Peels

Hair Styling

Chemical Wave
Children
Custom Wrap
Design, Cut, & style
Flash or Balyage Highlights
Hair Bleaching
Hair Coloring
Hair Treatments
Hairshaping
Instruction
Permanent Wave
Shampooing
Straightening 
Thermal Styling
Waves
Weave
Wet Styling
Wig Stylist

Massage

Abhynanga
Active Isolated Stretching
Acu-Kinesiology
Acupressure
Acutonics
Ai Chi
Alexander Technique
Amma Therapy
Animal Acupressure
Animal Massage
Anma Therapy
Applied Kinesiology
Aqua Massage
ARC Technique
Aroma-Reflex Therapy
Aromatherapy
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Ashi-Thai
Asian Bodywork Therapy
Aston Patterning
Asymmetric Body Balancing
Attunement
Ayurvedic Massage
Bach Flower Remedies – Topicals
Balinese Massage
Balneotherapy
Bamboo Fusion
Bamboossage
Barbara Brennan Technique
Barefoot Shiatsu
BART
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Berry Method
B.E.S.T.
Bindegewebs Massage
Bindi
Biodynamic Craniosacral Therapy
Bioenergetics
Bioenergy Massage
Biomagnetic Touch Healing
Biosonic Repatterning
Biosync
Bio Touch Healing
Body Image Enrichment
Body Logic
Body Wraps
Body-Mind Centering
BodyTalk
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Bowen Technique
Breast Massage
Breathing Techniques
Breema Breathwork
Bridgewebs Massage
Canadian Deep Muscle Massage
Cayce/Reilly Massage
Chair Massage
Champissage
Chi Gong
Chi Nei Tsang
Chikly Brain Curriculum
Chinese Massage
Chubinsky Method
Classical Massage
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
CORE Bodywork
Core Energetics

Cranial Release Technique
Cranial Soft Tissue Release
Craniosacral Therapy
Critz Technique
Cross Fiber Massage
Crystal Therapy
Cupping
Cyriax Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
Equine Massage
Equine Reiki
Equirub
Equissage
Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Fijian Massage
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine
Functional Range Release
Geriatric Massage
G-Jo Acupressure
Gua Sha
H.E.A.R.T.
Hakomi
Hama Massage
Hand Reflexology
Hannah Somatic Education
Hawaiian Bodywork
Healing Touch
Hellerwork
Hemme Approach
Hoffa Massage Technique
Holistic Massage
Holotropic Breathwork
Hoshino Therapy
Hot Stone Massage
Hot Towels
Hydrocollator Hotpacs
Hydrotherapy
IGM Method
Indian Head Massage
Infant Massage
Injury Massage
Innovative Pet Therapy
Insight Bodywork
Instruction
Integrated Awareness
Integrative Acupressure
Integrative Eclectic Shiatsu
Internal Organ Massage
Intra-Oral Massage
Ionic Footbath
IP Touch
Jamu Massage
Japanese Shiatsu
Jin Shin Jyutsu

Kiatsu
Kinesiology
Kinesiology Taping
Kinessage
Kripalu Bodywork
Kriya Massage
Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Lomilomi
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Lypossage
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
Medical Massage
Medical Qigong Therapy
MELT Method
Mennell Massage Technique
Mentastics
Merciér Therapy
Mother Massage
Moxibustion
Muscle Activation Technique
Muscle Energy Technique
Myofascial Release
Myomassology
Myopractics
Myoskeletal Alignment Technique
Myotherapy
Naprapathy
Nepali Massage
Neural Manipulation
Neuromuscular Reprogramming
Neuromuscular Therapy
New Manual Articular Approach
Niel-Asher Technique
Nuad Bo’ Rarn
Nurse Massage
Ohashiatsu
Okazaki Restorative Massage
Oncology Massage
On-Site Massage
Ortho-Bionomy
Orthopedic Massage
Pediatric Massage
Pet Massage
Pfrimmer Deep Muscle Therapy
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration
Practical Movement
Pranic Healing
Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Qigong
Quantum-Touch
Raindrop Therapy
Range of Motion
Raynor Massage Therapy
Reconnective Healing

Reflexology
Reflexology Instruction
Reiki
Remedial Massage
Rolfing Structural Integration
Rosen Method
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiatsu
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
Sound Healing
Sound Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Strain-Counterstrain
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swedish Massage
Swe-Thai Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuina
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Watsu
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy

Note: These modalities and disciplines are covered only to the extent that they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.

  • See all services covered

Get Insured with Beauty Insurance Plus!

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Student Nail Tech Rates

nail tech

If you’re still in school, we have good news. Our discounted rate of $25 annually provides you with one year of coverage as well, so you can stay protected on your journey to being a professional nail technician.

For $25, we will provide you with all of the benefits of our professional nail tech program. These rates are only applicable to the discipline you are in school for.

Click here to learn more about our insurance for beauty students. These rates are only applicable to the discipline you are in school for on the day your coverage begins.

If you have any questions, please call us at 800-941-3583.

Buy Student Policy

Nail Technician Insurance FAQs

Why do nail techs need insurance?

Insurance can be something of a “back burner” issue with most professionals. Something you are required to have and then put in a drawer and hopefully never see again. Truth is, if you are a practicing professional, and unless you are just super lucky, insurance is the safety net you need to make sure an all-too-common event doesn’t blindside you financially. Let’s look at some common circumstances that show the vitality of having solid nail tech insurance in place:

  • A client sitting down in your chair trips over your light cord and takes a hard tumble. This slip and fall event would categorically fall under your general liability provisions of your nail technician insurance policy.
  • A client develops a nasty infection after a nail dip powder session, the cause of which is leveled at you for not keeping your equipment sanitary. Frivolous or not, this action could require legal defense fees and settlement dollars. Without the provisions for professional liability coverage in your nail tech insurance plan, you could be left paying these out of pocket.
  • Walking into work, you see two men in ski masks loading up the last of your expensive nail desks into their van and speeding off. As a victim of a robbery, you’re shaken but more worried about how you’ll pay for the loss. With nail tech insurance from BIP, stolen equipment is covered all the way up to $1,000 with a $250 deductible.

Providing the wrong treatment, mixing your products incorrectly, a client having an allergic reaction, damages to a rented booth, the list goes on and on for the many things that can really hurt your bottom line without insurance. At just $159 for a full year, the cost of insurance is a lot less than any one of a number of costly liabilities that can crop up in a career.

What’s the best nail tech 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. 

From there, the best insurance should also provide a provision for product liability, which protects professionals when a client has an adverse allergic reaction to a product used during a nail session. A truly superior insurance plan for nail techs should also cover real-world incidents like when equipment gets stolen or there’s accidental damage to a rental suite. Identity protection, coverage for more than 350 different services, full portability, and a membership benefits package worth hundreds of dollars would just be icing on the cake. Beauty Insurance Plus provides all of these and more with a policy crafted just for nail technicians.

Where can I get cheap nail tech insurance near me?

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. 

For a one-year term, our nail tech insurance all-in is just $159. To lock in an even lower annual rate, you can purchase a two-year option for $279.95. As a benefit to students in beauty school, we also offer a severely discounted insurance plan for just $25 for the first year.

Where can you find a nail technician insurance comparison?

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.

What kind of member benefits do you get with nail tech insurance?


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 stolen equipment coverage and an identity protection plan. 

From there, freebies like a professional website, an e-membership to the Professional Beauty Association, and a subscription to a leading beauty publication of your choice, provide the framework for a truly epic benefits package. Just because we can, we also jam in loads of discounts and early access deals from our partnerships with leading names in beauty and wellness. One super cool discount pertains to online continuing education. Through our partnership with Massage Magazine, you can get unlimited online CEUs for just $19.95 per year.

Why is occurrence form coverage preferred for nail technician insurance?

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.

Do nail techs need a website?

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.

Does nail tech insurance cover my equipment?

Equipment is definitely vital towards you being allowed to provide great sessions to clients. Nail polish, powder, cleaners, hand tools, and even tables are all expensive, which unfortunately makes them good targets for thieves. When a robbery by force robs you of a vital piece of equipment or product, your nail tech insurance kicks in with coverage up to $1,000 with a $250 deductible.

Do you need a license to get nail tech insurance?

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!

Can you move salons and keep your nail tech insurance?

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.

What types of nail services are covered by nail technician insurance?

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 350 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.

What limits are included with a nail technician insurance policy?

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 $159 per year, members enjoy high liability limits and additional protection limits including:

  • Professional and General Liability Insurance: $2 million per occurrence and $3 million individual annual aggregate
  • Product Liability: $2 million annually
  • Rental Damage Coverage: up to $100,000
  • Stolen Equipment Coverage: up to $1,000 with a $250 deductible
  • Identity Protection Plan: up to $25,000
Beauty Insurance Plus

3948 3rd Street South #279
Jacksonville Beach, FL 32250
info@beautyinsuranceplus.com
(800) 941-3583

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The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC, members of which are also members of Protection Plan Association, Inc. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Arthur J. Gallagher Risk Management Services, LLC is the insurance partner for Protection Plan Association, Inc. members. Arthur J. Gallagher Risk Management Services, LLC, a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Arch Specialty Insurance Company, which is rated A+(Superior) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. All Rights Reserved. Copyright © 2023
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