Nail Tech 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.

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. 

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.

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.

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