As independent nail techs and salon owners we all understand and can appreciate how much blood, sweat, and tears goes into starting and running our businesses.
We work days, nights, and weekends to grow our clientele, keep a full book, and stay on the cutting edge with our service offerings.But one thing that a lot of nail techs don't think about is what they can do to protect all this hard work. Something as simple as a cut from a nail file (clean or no), an ingrown toenail, or an accident caused by a flip flop can be the start of the end of your professional career.Being sued can be such a scary thing and even scarier is that the money you may have to pay doesn't stop with your business earnings. Those suited lawyers can come after your personal property too!
Nanci Soltani is a shining example of a great nail salon owner. She has won multiple awards for her dedication to quality and has been a successful salon owner for many years.Nanci, her salon, and the individual nail tech were all sued by a client because she got into a car accident after leaving the salon. Client claimed she crashed her car because the disposable flip flops she was wearing prevented her from being to hit the brake!Even though Nanci and her salon were ultimately found innocent, Nanci still had to settle out of court and pay the client for damages! Had she not had insurance she would have lost her business, her house, her car, and more!
Nail Technician Insurance For Freelance & Mobile
This popular dry bar in California was recently sued by a client who alleges she suffered a stroke after having her hair washed in a shampoo bowl!The client is seeking money to cover her medical bills plus damages. The client, 48-year-old Elizabeth Smith, says she visited the salon in late December 2013 and that during her service, her neck was "hyper-extended" due to a "defective" shampoo bowl and chair. This lead to her vertebrae cutting through her artery and causing a stroke two weeks later.The service provider is also directly liable for the injury.Accidents can and do happen so protect your career with a simple policy.
This salon that has shining reviews on Yelp has just been sued by a client who alleges the infection she received from the salon after getting a pedicure in March of 2015 led to her toe being amputated.The nail tech is accused of using cuticle nippers that caused a severe infection. The situation was made worse by the fact the client has diabetes and the infection worsened to the point her pinky toe had to be removed.The final amount that the salon and the individual service provider is being sued for is not yet released.Both salons and individual techs can be sued simultaneously!The nail industry has a growth rate faster than the average for all occupations. You are the smile on a bride’s special day. You are the gift on a best friend’s birthday. You are the support on a client’s stressful day at work.
Unfortunately, lawsuits against nail technicians are common. These claims do not discriminate on training or experience. Even the most recommended nail technicians are not immune.
Public Liability Insurance Nail Technician
With Beauty Insurance Plus, your insurance rate stays the same, regardless of the amount of disciplines you practice. Click here to see the list of modalities covered.
You have 99 problems, but paying $100, 000 out of your own pocket on bodily injury claims should not be one. We have a solution that can help protect you from a career-ending incident.
As a Beauty Insurance Plus member, you won’t have to bite your nails in fear of a lawsuit. You will know that you are in good hands. With one of the lowest prices in the industry, our liability insurance program will provide you with:
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Note: These modalities and disciplines are covered only to the extent that they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.
If you’re still in school, we have good news. Our discounted rate of $25 annually provides you with one year of coverage as well, so you can stay protected on your journey to being a professional nail technician.
For $25, we will provide you with all of the benefits of our professional nail tech program. These rates are only applicable to the discipline you are in school for.
How Long Does It Take To Become A Nail Technician?
Click here to learn more about our insurance for beauty students. These rates are only applicable to the discipline you are in school for on the day your coverage begins.
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:
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.
Insurance For Nail Technicians
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.
From there, the best insurance should also provide a provision for product liability, which protects professionals when a client has an adverse allergic reaction to a product used during a nail session. A truly superior insurance plan for nail techs should also cover real-world incidents like when equipment gets stolen or there’s accidental damage to a rental suite. Identity protection, coverage for more than 350 different services, full portability, and a membership benefits package worth hundreds of dollars would just be icing on the cake. Beauty Insurance Plus provides all of these and more with a policy crafted just for nail technicians.
While the word cheap doesn't always conjure up quality, at Beauty insurance Plus we’ve worked really hard to create a program that’s both affordable and provides great coverage for our professionals. Our insurance plan pricing is easy to understand and straightforward because we charge one, low annual rate. Some other companies may dangle a low promotional rate and then tack on additional fees after the sales period is up or simply may charge you a premium because you live in one state versus another.
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For a one-year term, our nail tech insurance all-in is just $159. To lock in an even lower annual rate, you can purchase a two-year option for $279.95. As a benefit to students in beauty school, we also offer a severely discounted insurance plan for just $25 for the first year.
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 turnrate our program so highly.
Bottom line, your insurance program should do more than protect. That’s why we include a benefits program that’s worth hundreds of dollars all on its own and is accessible on day one. In addition to liability coverage, included as a benefit to our members is important secondary coverage such as stolen equipment coverage and an identity protection plan.
Nail Technician Insurance
From there, freebies like a professional website, an e-membership to the Professional Beauty Association, and a subscription to a leading beauty publication of your choice, provide the framework for a truly epic benefits package. Just because we can, we also jam in loads of discounts and early access deals from our partnerships with leading names in beauty and wellness. One super cool discount pertains to online continuing education. Through our partnership with Massage Magazine, you can get unlimited online CEUs for just $19.95 per year.
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
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