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.
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
Nail Tech Liability Insurance
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.
SAVE $10 WITH OUR FIRST YEAR INTRODUCTORY RATE AND TAKE ADVANTAGE OF EVERYTHING WE HAVE TO OFFER.
$279.95 Save $48.05
Per 2 Years
LOCK-IN A RATE OF $140 PER YEAR, BY PURCHASING OUR TWO-YEAR POLICY, WITH ALL THE SAME BENEFITS.
Or call us at 800-941-3583 to speak to a live insurance representative.
Insurance Benefits for Beauty Professionals
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
Member benefits like stolen equipment coverage, identity protection, a free website, and exclusive product discounts
Access to over $750 in member benefits and discounts, including GlossGenius, BTCUniversity, and more.
Comparison Grid for Beauty Professionals
|Associated Hair Professionals||Next Beauty Insurance||Beauty Insurance Plus||Hands on Trade Association||Beauty & Bodywork Insurance|
|Professional & General Liability Included?|
|Product Liability Included?|
|Rental Premises Coverage Included?|
|Identity Protection Coverage Included?||$$$Add'tl Cost|
|Stolen Equipment Coverage Included?||$$$Add'tl Cost||$$$Add'tl Cost|
|Health, Dental & Vision Coverage Access Included?|
|Includes Member Benefits?|
|Coverage in 50 States?|
|Monthly Payment Options?|
|Price||$199||At a Quote||$159||$165||$96|
The #1 Choice for Nail Tech Liability Insurance
Our policy was designed specifically for beauty professionals. Insure your career today with the most affordable and comprehensive coverage available.
What Nail Tech Services Do We Cover?
Non-medical Care of Skin
Chemical Peel (no lasers)
Cold Light Series 6 Facials
Hair Removal (no lasers)
Make-up (not permanent)
Ultra Sonic Facials
Ultra Sound Facials
Vitamin C Peels
Design, Cut, & style
Flash or Balyage Highlights
Active Isolated Stretching
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Asian Bodywork Therapy
Asymmetric Body Balancing
Bach Flower Remedies – Topicals
Barbara Brennan Technique
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Biodynamic Craniosacral Therapy
Biomagnetic Touch Healing
Bio Touch Healing
Body Image Enrichment
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Canadian Deep Muscle Massage
Chi Nei Tsang
Chikly Brain Curriculum
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
Cranial Release Technique
Cranial Soft Tissue Release
Cross Fiber Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Eden Energy Medicine
Emotional Freedom Technique
Energy Healing Techniques
Essential Oils Massage
Fascial and Membrane Technique
Five Element Shiatsu
Forearm Dance Technique
Full Spectrum Energy Medicine
Functional Range Release
Hannah Somatic Education
Hoffa Massage Technique
Hot Stone Massage
Indian Head Massage
Innovative Pet Therapy
Integrative Eclectic Shiatsu
Internal Organ Massage
Jin Shin Jyutsu
Lava Shell Technique
LHE Phototherapy (no lasers)
Light of Life Energy
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Medical Qigong Therapy
Mennell Massage Technique
Muscle Activation Technique
Muscle Energy Technique
Myoskeletal Alignment Technique
New Manual Articular Approach
Nuad Bo’ Rarn
Okazaki Restorative Massage
Pfrimmer Deep Muscle Therapy
Range of Motion
Raynor Massage Therapy
Rolfing Structural Integration
Rubenfeld Synergy Method
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
Safe Touch Massage
Shen Jing Acupressure
Shiatsu Amma Therapy
Soma Neuromuscular Integration
St. John Neuromuscular Therapy
Steamy Wonder System
Structural Energetic Therapy
Thai Herbal Compress Technique
Thai Yoga Massage
The Healing Code
Theresa Primmer Method of Deep
Tian Di Bamboo Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Vibrational Healing Massage Therapy
Warm Bamboo Massage
Yamuna Body Rolling
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.
Get Insured with Beauty Insurance Plus!
Student Nail Tech Rates
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.
Nail Technician Insurance FAQs
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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