Nail Technician Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Nail technician insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the manicurist insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Professional liability (E&O)
Commercial auto
Workers’ compensation
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for nail technicians and save up to 10% when you bundle two or more of policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of nail technician accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by salon and spa owners.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of using a low-quality nail polish that causes an allergic reaction, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage when you drive for business reasons, such as traveling to different locations for work.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Easy setup

I like the process how everything was easily walk thru compare to other insurance.

BAO T.

Easy As 123

So easy to get started. And used real examples

Raven W.

Good work

QUANG N.

Awesome, quick service

Deyana P.

Great company to work with!

JANET L.

The super best!!!!

Affordable rates. Customer service so knowledgeable. I was not quite sure what I was covered for but asked a consultant and she explained everything.

Sesethu G.

👍👍

John T.

The Donna Reed Show

Next Insurance was just what I needed. Very easy to complete the form and very good pricing.

Donna R.

Easy setup

I like the process how everything was easily walk thru compare to other insurance.

BAO T.

Easy As 123

So easy to get started. And used real examples

Raven W.

You can save up to 25% in discounts on nail technician insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does nail technician insurance cost?

Nail tech insurance quotes vary based on the risks that your business faces, such as:

The types of nail care work you do
Where your salon is located
Your payroll and the kinds of jobs your employees do
If you use a vehicle for work

Nail technician insurance requirements

Nail technicians are almost always required to have insurance due to the risk of injury to customers’ nails or skin or damage to their property. You might need insurance to:

Start working independently or at a salon or spa. Salon and spa owners might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about nail technician business insurance, including self-employed nail technician insurance and home-based nail technician insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect nail technicians?

Our nail technician insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You spill nail polish on a client’s designer purse. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client slips and falls on a freshly mopped floor. Your general nail technician liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims that they got an infection because your nail station was not sanitized. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You experience a serious back strain after picking up a box of manicure supplies. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You slide on an icy road and damage your work vehicle. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

Your nail salon is damaged by an electrical fire. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.