Comprehensive Nail Technician Insurance

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.

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.

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.

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.

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.

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.

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.

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.

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.

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. 

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. 

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.

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.

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.

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.

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.

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.