Nail technician insurance is an insurance product designed for nail technicians, workers who perform services like manicures, pedicures, and applications of false nails. Insurance companies that specialize in covering spa service providers like massage therapists and aestheticians usually offer nail technician insurance. Prices for policies vary and it is important to read through quotes carefully to understand the type of coverage being offered.
An insurance plan will cover several areas of potential liability. The first is professional or malpractice liability. Nail technicians can be liable for causing injuries in the course of doing their work, as for example if a service provider accidentally cuts a client during a pedicure and the cut becomes infected. General or premises liability is important for so-called “slip and fall” cases and other situations where people bring suit as a result of conditions in the salon or spa. It is also important to have property insurance, including coverage for salon equipment, as this equipment can be quite expensive.
A nail technician insurance policy is often designed to cover a mobile nail technician, someone who travels to provide nail services. People who travel should make sure that this coverage is offered, as other plans are limited to specific premises. Nail technicians should make sure they have adequate vehicle insurance if they travel, and if they work out of their homes, it is important to be aware that home insurance usually specifically excludes business endeavors, so premises insurance is necessary even if home insurance is already being carried.
Nail technicians who work in spas and nail parlors may be covered by their employers. In other cases, employers expect their nail technicians to provide proof of insurance, especially in facilities where technicians rent space rather than being employees. In these cases, the spa may request that it be named on the policy as well to ensure that it is covered in the event of an accident or event.
An insurance specialist can help a nail technician decide on the best nail technician insurance product. There are a number of options to consider, including the total liability coverage available and the types of coverage offered. Some nail technicians find it helpful to consult other people in the trade to get information about the available plans. People who are already carrying insurance may have recommendations for specific companies that offer better services or rates for nail technician insurance coverage, and can also advise people about insurance companies to avoid.
