Nail Salon Insurance

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Business Insurance for a Nail Salon*

Nail salon owners need business insurance, including public liability insurance, as nail technicians work with members of the public.

Nail technicians and manicurists get up close and personal with clients with equipment and material such as nail files , cuticle nippers, nail polish and anil polish remover that increase the probability of an accident.

Public liability insurance may protect nail salon owners against damages from claims if customers hurt themselves in their shop or from claims of food poisoning against them.

Nail salon owners also face risks in relation to the commercial premises they operate from including property damage, such as glass,  and theft of equipment and stock.

Fortunately, suitable business insurance for nail technicians may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your nail salon business activities.

Nail technicians’ business insurance, including product and public liability insurance, may cover property damage, injuries to third parties that are caused by your nail salon business activities.

By ‘packaging’ their business insurance into a ‘business pack’ nail technicians can potentially cover many of the risks their business faces in the one policy.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

What Insurance Do I Need as a Nail Technician?*

Some of the major types of business insurance covers available to nail technicians in Australia are explained below and include:

  • Business Insurance Pack
  • Public Liability Insurance
  • Commercial Motor insurance
  • Cyber Insurance

Business insurance pack for nail technicians*

Nail technicians may be able to combine multiple covers in a single business insurance pack policy.

By ‘packaging’ their business insurance into a ‘business pack’ nail technicians can potentially cover many of the risks their business faces in the one policy.

For example, if a nail technician has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.

Other typical inclusions for nail technicians with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for nail technicians with a business insurance pack are General Property, Contents, Machinery Breakdown, Plant and Stock, Theft, Glass, Money, Business Interruption and Marine Cover.

For example, the replacement of nail drills, nail dust collectors and lamps may be covered in the event of theft , and loss of profits may be covered under business interruption if caused by a defined event.

Coverage under a business insurance pack for nail technicians varies depending on the cover options nail technicians select.

Multiple nail salon locations may be able to be covered on the one business insurance pack policy.

Glass cover and theft for nail salons

Many nail salons have large street frontages that are predominantly glass.

While this attractive facade helps attract clients,  it also makes break and entry burglary claims for hairdressing salons common.

Nail drills, nail dust collectors and lamps are often stolen.

Help reduce the impact of a break an entry by taking glass, general property and theft cover as part of your combined business insurance pack.

Contact a Smart Business Insurance broker for more information. 

Commercial motor insurance for mobile nail technicians and manicurists *

Commercial motor insurance should be considered for mobile nail technicians and manicurists that drive their vehicle to pick up and deliver stock. Light trucks, vans and Utes may be covered.

Cyber Insurance for nail salons *

Your nail salon credit card processing system is a target for hackers as is your online store if you have one.

If you are hacked and incur a data breach you may incur significant tech bills, be open to be sued by frustrated customers, and may be subject to thousands of dollars in government fines.

Help reduce the impact of damages from data hacking with cyber insurance – and keep your nail salon going.

Why do nail technicians need product and public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed nail technicians.

In Australia, public liability insurance also typically includes product liability insurance.

People and property on site may be hurt or damaged due to accidents involving your nail salon business activities.

Protections offered to self-employed nail technicians by public liability insurance in Australia generally include:

  • Injury to other persons due to your nail salon activities –Where a nail technician business activity causes harm to a third-party person. For example, a client is injured when they trip and fall in your nail salon, or from nail polish remover accidently spilt on them.
  • Damage to others property due to your nail salon activities – Where a nail technician business activity causes damages to a third- party’s property. For example, a nail technician may accidently cause damage to a supplier’s van when unloading.
  • Harm to other persons or other persons property due to your nail salon business’s products – Where a nail technician business’s products and goods supplied causes harm to a third party -person or a third- party’s property.

For example, a nail polish , nail files or nail polish remover sold in your nail salon causes serious harm to nails or skin.

Public liability insurance coverage may protect nail technicians from claims that arise when others allege, they are negligent.

A nail technician’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Public Liability Insurance may provide nail technician with protection for slip-and-trip accidents, serious harm to a client caused by a product sold to clients.

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What are the costs of Nail Salon Business Insurance?*

How much does business insurance, including public and products liability insurance, cost for nail technicians and manicurists? *

Key factors in determining how much business insurance, including public and products liability insurance will cost a nail technician or salon owner include:

  • where your business premises are located
  • the value of the property insured
  • the level of security and fire protection
  • age of premises and equipment
  • the size and turnover of your nail salon
  • number of staff
  • the optional covers selected
  • your claims history
  • the level of cover requested ( for example; $5 million , $10 million or $20 million liability )

Our helpful business insurance brokers may be able to help you find suitable and affordable business insurance for your nail salon on 1300 542 573 .

Why should nail salon owners use an insurance broker in Australia?*

If you are a nail technician or salon owner deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the nail salon owner.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.

Brokers can help nail technicians by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a nail technicians insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable business insurance quotes for your nail salon.

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