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Comprehensive Nail Technician Insurance

Excellent-rated insurance for nail technicians that covers beauty and wellness professionals for more than 500+ services. No membership fee, no quote process. Get fully covered for less than 49 cents per day, in under five minutes.

Occurrence-form Protection

Occurrence-form for complete protection

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Over 500 services included within every policy

Easy Monthly Payment Options

Safe and secure online checkout

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$500+ in exclusive member benefits

  • Occurrence-form for complete protection
  • Over 500 services included within every policy
  • Safe and secure online checkout
  • $500+ in Exclusive Member Benefits
  • Occurrence-form for complete protection
  • Safe and secure online checkout
  • Over 500 services included within every policy
  • $500+ in Exclusive Member Benefits
Buy Policy

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How Much Does Insurance for Nail Techs Cost?

Whether you're in the beginning stages of your career as a student or a nail salon veteran, we offer convenient term plans to meet your individual insurance needs. With multiple options to choose from, you can enjoy selecting the ideal plan for you. Of course, each plan offers the same premium coverage and benefits. However, each option is unique for your career stage. 

Most Popular

Pro 1 Year

Just $0.49/Day

$179

BUY POLICY

Lock in annual rate of $164.50

Pro 2 Year

Just $0.45/Day

$329

BUY POLICY

Save 66%

STUDENT 1 Year

One Time Only*

$60

BUY POLICY

Nail Technician Insurance Highlights

While you may not have considered it, professional insurance is an investment every nail technician should make.

NACAMS represents America’s 76,000+ nail technicians, providing professional tools, public education, nail technician liability insurance, and issue advocacy. With 25 years of trust in the health, wellness, and beauty industry, NACAMS licensed professionals are the best protected nail techs in the industry.

Coverage Details

  • Professional & General Liability Insurance: $2 million per occurrence; $3 million individual annual aggregate
  • Personal Injury & Advertising Coverage: $2 million individual aggregate
  • Identity Protection Plan: $25,000

These rates may differ based on your primary modality.

500+ Modalities Covered—No Extra Cost

For one low price, you’re covered for over 450 beauty and bodywork modalities

Insurance Marketplace

Get access to affordable health care, vision and dental. 

Instant Certificate Of Insurance

There is no quote process with NACAMS. Purchase online or over the phone and you are instantly insured. Plus, we offer a free certificate of insurance (COI) you can download directly in our member portal. 

Member Benefits

Get free member benefits such as an easy-to-customize website, up to 25% of Hertz, up to 75% off Office Depot, up to 50% off UPS, up to 30% off Lenovo, up to 60% off of hotels worldwide, and more.

Stay Protected with an Occurrence-form Policy

Occurrence Form is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect. Other providers sell Claims-made policies where any claim filed after the policy expires will not be covered. No matter whom you choose, definitely make sure your provider is "occurrence form."

Why Do You Need Nail Technician Insurance 

Even the most skilled nail technicians can face unexpected mishaps. With sharp tools, chemical-based products, and water-filled pedicure stations in play, there's always a chance something could go wrong. That’s why having nail tech liability insurance is essential — it protects you from the “what-ifs” so you can focus on your craft with confidence.

In fact, most nail salon owners require contractors to carry insurance and list the salon as an additional insured before they’ll bring you on. With NACAMS, meeting these requirements is simple — so you can get insured and start booking clients fast!

Complete Career Protection

In order to make sure your nail technician liability insurance covers all categories of potential harm or suffering, you need to look for a policy that includes general, malpractice and liability coverage. This way, you will have the financial protection you need in case a legal claim comes up that falls into any one of these three categories.

Accident Lawsuits Coverage: General Liability Insurance

As another example, if a client were to slip on a small puddle near the foot baths, she might end up breaking an arm or suffering some other kind of injury. In this scenario, it would be the general liability component of your nail technician liability insurance that would be called upon to provide you with monetary coverage.

Protect Yourself Against Claims: Professional Liability Insurance

If a client believes she was harmed due to a lack of skill or competence on your part as the professional nail technician, then the malpractice aspect of your nail technician liability insurance would be there to offer financial protection.

Policy Types

Click the policies to learn which one is right for you.

One-Year Professional

This option is ideal for professionals. For $179, you'll receive 12 months of insurance protection, exclusive member benefits, and access to our outstanding resources for members.

 

Two-Year Professional

This plan is excellent for well-established nail technicians or returning members of NACAMS. This plan starts at just $329 and provides 24 months of comprehensive coverage, member benefits, and member resources.

 

Student Rate

For just $60, nail technician students can receive the same incredible coverage as our professional plans for the first year of study.

Professional Liability Insurance for Nail Technicians

1 Year Professional

$179

2 Year Professional

$329

SAVE $29

Student 1 Year

$60

GET COVERED

What Our Customers Are Saying

We are proud that NACAMS is rated a 4.7/5 (Excellent) on Trustpilot. Read some of our reviews below!

It was a no brainer that I would choose Nacams as my liability insurance. You get a better value at a reasonable cost.

Sally

This is a very easy, efficient, affordable and well crafted solution which avoids the horrific confusion that most insurance provided cannot seem to avoid.

Elizabeth

I feel confident with Nacams insurance in my reiki business.

Nancy

Love this Company! Very easy to move around and shop for the best policy, not to mention the best price!

Suzanne

While my customers do sign a liability waiver on behalf of the business where I am an employee, I'd prefer to have this backbone behind me protecting my person and any damage an unruly person could assert. Thank you NACAMS for protecting me professionally!

Jenn

Very easy and straightforward. Easy to locate my modalities on the website to ensure they are covered.

James

Nail Technician State Requirements

We understand life can reroute you sometimes. When life moves you to a new state or city, you can rest assured knowing that your coverage will travel with you no matter where you go. Portable coverage is one of the key benefits of choosing NACAMS for your nail tech liability insurance policy. Because of this additional perk, you're protected in all 50 states across America. 

If you must move to a new location, just let our team know about the change before moving day. We also recommend taking a gander at the state requirements for your new home. Each state can have slightly different laws and regulations for practicing beauty work. Be sure you are up to date on your licenses, continuing education requirements, and certifications. Once you’re positive you meet the state requirements, you’re ready to hit the ground running when you arrive in your new home state.

See what it takes in each state to become a licensed nail technician and any additional liability insurance requirements for business owners or individual practitioners.

STATE REQUIREMENTS
State Requirements for Cosmetologists

Nail Technician Insurance FAQs

Do you have questions about nail technician liability insurance in general? Or maybe questions about the coverages, details, and benefits offered by NACAMS nail technician liability insurance? We’re here to help. Take a look at some of the most frequently asked questions.

Can you get nail tech insurance online?

Absolutely. With NACAMS nail technician insurance, you can sign up in as little as just a few minutes entirely online. As soon as you complete the online application, pay your policy premium, and check out, you’ll have instant coverage with immediate access to all of your plan benefits. This can be especially beneficial for nail technicians working an event or in a mobile salon as coverage can be obtained on-the-go, from wherever you have internet connection, and still grants you access to proof of nail salon insurance within minutes.

Who has the cheapest nail tech insurance?

When you compare nail technician insurance, price always plays an important role in your decision making process. But price alone shouldn’t be the only thing you look at, so remember to check out the coverage and benefits to make sure you’re getting coverage that fits your career aspirations. That being said, we include a side-by-side comparison in the space above of NACAMS versus the leading competitors in nail tech insurance. You’ll see that NACAMS not only has one of the most comprehensive plans out there, it’s also one of the cheapest nail tech insurance plans on the market today.

Can you move states and transfer your nail tech insurance?

With NACAMS nail tech insurance, we designed the policy to fit the needs of today’s professionals, many of which change employers, the place where they provide services, or even move states at some point in their careers. Our policy has a provision called portability built right in that allows our members to move employers or even states and their nail salon insurance policy follows them every step of the way.

Is nail technician insurance worth the cost?

You may look over the suite of coverage options that we offer and think that it’s just too much coverage for what you’re doing. I mean, what nail tech needs millions in coverage? Unfortunately, now, more than ever, the health and safety of clients is a chief responsibility of the professional. A client slipping on a little nail polish remover on the floor or a slip of the hand causing an injury during a pedicure. We help our members every day through events just like these. At just $179 per year, our members have absolute peace of mind to focus on what they love doing, rather than the what-ifs from a potential claim.

 

How long does it take for nail tech insurance to kick in?

With NACAMS, as soon as you fill out the application, pay your premium, and check out, you'll have immediate coverage with access to all of your important plan documents - like proof of insurance. We designed our policies to be accessible and easy-to-use from beginning to end and it’s why so many professionals trust us with covering their careers every step of the way.

How many CE hours do you need for nail tech insurance?

Some nail technician insurance plans do, in fact, require continuing education (CE) hours in order to obtain the policy. However, NACAMS does not require our members to meet a CE requirement to have an insurance plan through us. You’ll only need to make sure you’re meeting all state requirements for nail technicians and keep whatever licensure is required current in order to maintain coverage.

What is the difference between general and professional liability?

General and professional liability are the two main coverage areas you’ll see on almost every insurance policy for professionals that’s out there. Most claims facing nail techs will fall under these two coverage areas which is why each have comparatively high limits. 

General liability is also called “slip and fall” insurance because these types of claims are all-too-common for professionals today. General liability insurance covers members from third-party claims for damages or injuries that occur on, or around, their place of business. A slip and fall may seem minor but there are too many multi-million dollar lawsuits to count originating from an incident like a slip and fall. NACAMS nail technician insurance includes up to $2 million per occurrence and a $3 million annual aggregate under the general liability portion of the policy.

Professional liability is also called “malpractice” insurance because it relates to the professional services you provide to your clients. As a nail technician, you're using a lot of different tools, chemicals, and products on sensitive areas around the hands and feet. A piece of equipment that is not sterilized properly, cuts, bloodborne pathogen exposure, fungal infections, skin irritation, and even chemical exposure are all areas that could bring about a liability claim. For professional liability claims, NACAMS includes up to $2 million per occurrence and a $3 million annual aggregate.

 

What services does nail technician insurance cover?

NACAMS likes to make things easy for our professional members, so we choose to cover literally hundreds of different beauty and wellness services all under one, comprehensive policy. Just a few of the many different services this plan covers include nail enhancements like acrylic, false nails, and nail extensions; hand and foot care like manicures and pedicures; and nail decorations like airbrushing and varnishes.

Do you get benefits with nail technician insurance?

Definitely. Insurance is there for the what-ifs that occur during your career and provides great coverage for a wide range of different loss-scenarios. However, we feel that members should get even more value by providing a rich benefits plan designed just for nail technicians. From day one, members of NACAMS receive a free professional website.

Can you get nail tech insurance as a 1099?

With NACAMS, we cover you through every step of your career - from student policies on through professional. As a 1099, you are working as an independent contractor and almost always will need your own insurance coverage. Even as an employee with some coverage under your company’s commercial policy, this will often be a small amount of coverage, leaving you dangerously exposed to having to cover any shortfalls. 

How can you file a claim after your nail tech insurance expires?

You will only be able to file a claim after your insurance policy expires if you have an occurrence form policy, which is the type we use at NACAMS. These kinds of policies are preferred in the beauty industry because they give professionals a little breathing room to file a claim after their policy has expired.

It works like this - if you are providing services a few days before your policy expires, then the policy expires, and then a few days after that the client comes back and says the service they received caused them an injury or damages, then you can still file an insurance claim even though the policy has since expired. The opposite of this coverage is claims-made which says the policy has to be active in order to file a claim. In our example above, you’d be left paying the costs of the claim out of pocket if your policy used claims-made provisions. 

Can you get nail technician insurance while still in school?

Absolutely! We provide a students-only nail technician insurance plan for only $60 for a full year of coverage! At a $5 per month, the benefits alone make this an incredibly attractive offer but having the backing of a full-fledged insurance plan means our student members get to focus on learning and not whether a liability during their training could sideline their career before it even gets started. Another route students can take is to wait to get their nail tech student insurance policy until they are almost done with school. Then you get all the coverage and benefits of the policy for the majority of your first year on the job, while still paying the reduced student rate.

 

Will insurance also cover my rented workspace?

Many wellness professionals take advantage of leasing a salon or workspace to offer their services. As a renter, you can enjoy the benefits of a more convenient work environment, superior locations, and a dedicated workspace for your business. However, if you or your equipment damages your rental, the building owner could hold you responsible for covering repair costs. 

For example, if your foot bathing station has a small leak that erodes the floorboards over time, it could cause severe water damage, mold, and other moisture-related issues. 

Fortunately, we considered this when creating our nail technician insurance policy. We offer built-in rental property damage protection to help cover the cost of repairs when something goes wrong. We can cover up to $100,000 worth of rental property damages caused by an accident or equipment failure. In other words, you don't have to sweat it when your building owner demands you pay for the repairs.

 

How will my insurance defend against online attacks?

One way our insurance goes beyond the typical provisions is our included identity theft protection plan. In today's beauty landscape, much of your work is done online. Whether you operate your payroll systems, budgeting, advertising, or client connections through the web, nearly every nail technician and wellness professional utilizes the web to operate some level of their business. Unfortunately, online predators can use your web-based information to steal your identity, help themselves to your banking information, or commit identity fraud.

While it may be a relatively new concept in the liability insurance realm, we count identity theft protection as an essential part of our policy. As a member, you can be confident that your policy protects you from would-be identity thieves. We provide a hedge of defense to keep your information safe and private.

 

Does NACAMS offer transparent pricing?

Our pricing is a little different than other insurance companies. When you apply for nail technician liability insurance, you'll have complete awareness of what you will pay. Honesty is the best policy, and we promise to provide open and transparent pricing before you spend a dime. Unlike other insurance providers, we don't make you go through a long questionnaire to see your price. Instead, we put our prices out in the open for all to see. Hidden fees and unexpected bills will never be a part of your insurance experience with NACAMS.

 

Will my insurance protect different businesses?

Nail technicians often work in multiple locations to maximize their reach and clientele. If you have numerous places of business, we make it simple and affordable to include each location in your policy. There's no need to create a separate policy for each business location. As you complete the insurance application process, you have the option to add individual businesses to your policy or multiple companies at once. 

We recommend the unlimited business option if you operate out of three or more locations. This affordable solution enables you to ensure multiple workspaces for a single, reasonable price. This option is ideal for traveling nail technicians or those with various salons.

 

What is Nail Tech Insurance?

Nail tech insurance is a type of business insurance designed specifically for nail technicians to protect them from the risks associated with providing nail care services — like manicures, pedicures, acrylics, gels, and other treatments. It helps cover things like client injuries, allergic reactions, property damage, or even lawsuits related to your services or products.

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Speak with an Agent Now: 1 (800) 964-0158
8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.

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