Nail Technician Insurance
Coverage built for nail technicians — salon-based, mobile, and at-home operations.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage at the salon or location
- ✓Allegations of a bad service result, infection, or chemical reaction — professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓Damage to a customer's personal property during service
- ✓Tools, lamps, and supplies (when scheduled on the policy)
Coverage products commonly considered
Most nail technician operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A customer alleges a chemical reaction or infection following a service. Professional liability — also known as Errors & Omissions (E&O) insurance — is generally intended to address allegations of this nature in the event of a covered claim.
- A customer trips on a cord. General liability is generally intended to address allegations of this type.
Frequently asked questions
Do I need professional liability if I have general liability?
General liability is generally intended to address third-party bodily injury and property damage at the location. Professional liability — also called Errors & Omissions (E&O) insurance — is generally intended to address allegations that your service caused harm or a bad result. Most nail techs carry both.
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