Are you a nail technician looking for insurance? At Professional Beauty Direct we cover all nail treatments, nail art, manicures and extensions plus all of the popular gel varnishes as well. 


As a nail tech, also known as manicurists or pedicurists, you’ll need attention-to-detail, patience and a steady hand to make nails look like a work of art. We understand the effort and dedication it takes to ensure a client’s hands and feet look great.


Whether you’re a freelance or self-employed nail technician, a student or work as a freelance therapist within a salon, it is important you’re covered in the event an accident happens. For business owners without employees, it's not a legal requirement to have a full salon business insurance, but this doesn’t mean it’s not important to get yourself properly covered. From taking care of cuticles, shaping and sculpting to polishing and applying acrylics to fingers and toes, your craft uses sharp tools and equipment as well as toxic liquids which could bring harm to you or your client or damage your client's possessions e.g. acetone spilt on a wooden table.


Why do I need nail technician insurance?

Insurance can be central to the success of your business if a claim against you arises. Claims can be an expensive payout, some up to the cost of £150,000 and if you aren’t prepared to pay these costs it can be a difficult hurdle to overcome.


Nail technicians are responsible for administering treatments to client’s fingers, hands, feet and toes. Your day-to-day duties will include, but not be limited to:

  • Conducting a client consultation to understand client requirements, check for nail disease and skin problems.
  • Cleaning and filing nails.
  • Caring for cuticles.
  • Applying nail polish, gel polish and nail art. 
  • Administering acrylic nail extensions.
  • Manicures/pedicures.
  • Using UV and LED nail lamps.
  • Providing recommendations for aftercare and maintenance.
  • Offering expert advice. 


If an accident happens, for example, acetone or nail varnish is spilt at your salon, home or a client’s property, you provide false advice or the client suffers a reaction after your treatment, a client is well within their rights to make a claim. This is where the importance of nail insurance comes in. 


Public liability insurance will cover an injury to a client they sustain on your premises during their visit e.g. slipping on a wet step in winter or falling off a treatment couch for instance.


Employability liability insurance, on the other hand, protects you in the event that an employee makes a claim against you for a work-related illness or injury. This cover is particularly important for salons. 


Treatment liability cover ensures you're protected if a client claims you've caused injury or illnesses as a result of the treatment provided by yourself. 


Lastly, product liability insurance provides cover for nail technicians who supply products such as nail varnish to clients or members of the public. 


We appreciate that you might be working as mobile or freelance technicians. With that in mind, we have built our insurance policies to ensure these individuals are also covered when working in a client’s home or workplace for example. 


What other insurance do we provide?

At Professional Beauty Direct we specialise in most types of beauty, hair and nail technician insurance. Our policies are designed with all therapists, technicians and practitioners in mind, including those that work mobile, freelance, self-employed and within a salon. This is great if you’re a nail technician working in a salon, or you’re a salon owner which have multiple treatments being administered from your premises. Other types of insurance we offer include:



How can Professional Beauty Direct help?

We are an industry-leading insurance provider of nail salon insurance. We offer treatment cover, public liability cover and products liability cover to ensure you’re protected in all scenarios. Teacher training can also be added to this policy as an extension, this will cover you as the tutor and up to 15 students in your class subject to terms and conditions. 


We are aware of the effort and time it takes to build a successful business; it only takes one claim to jeopardise the future of your brand so we’re here to ensure you’re protected with fuss-free insurance. From as little as £39.50 per year, there’s no reason not to invest in nail insurance. Not only will it give you peace of mind, but you’ll also give your client's confidence that you're a trustworthy, reliable and professional business.  


You can be covered in just a few steps; our insurance policies are available to buy online, so there's no need to worry about filling in long documents or waiting at the end of the telephone. However, if you would like to speak to someone about your insurance policy, our small friendly team are always on hand to help. 


Click “Buy Now” to see our full policy for more information. If you are unsure whether your qualifications allow you to obtain insurance with us, please contact us for help.


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Beauty, Nail and Hair Policies Available
£6,000,000 Liability Cover
Many Optional Extras
Teacher Training Cover Available


Beauty, Nail and Hair Salons Covered 
£6,000,000 Liability Cover
Employers Liability Cover
Variable Contents Cover Available
Free Professional Beauty Magazine Subscription 


Have you ever dreamed of teaching what you love? Whether you're an experienced MUA, lash artist, nail technician, hairdresser, or a dedicated holistic therapist, we can help you to elevate your career to new heights. Becoming an accredited trainer is more affordable than you might imagine. With our reputable name supporting you, you can significantly enhance the quality of your courses and provide your students with qualifications they can trust. If you are a training school or provider and want your courses to be accredited by Professional Beauty Direct, please contact us for more details. Or if you’re looking to train in a new treatment, click here to view our PBD Accredited Training Schools and Academies.

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