Whether a customer is coming in for a basic manicure, gel nails, a spa pedicure or some other type of service, the professional nail technician is there to meet her needs and provide the best possible service. However, before any nail technician begins working with customers, it is a wise idea to secure nail technician liability insurance.
This type of policy is designed to provide financial security to professional nail technicians, so they do not have to worry about possible accidents or other negative occurrences that could threaten their careers and empty their bank accounts. With nail technician liability insurance, you have a safety net in place for nearly all of these “just in case” situations.
For starters, nail technician liability insurance will provide you with general liability coverage. This will provide the necessary coverage in case a customer ever slips, trips, falls or has some other kind of accident on the property of your nail salon. This portion of the nail technician liability insurance policy may be especially important, considering all the liquids that may be splashing around in a busy nail salon.
As an example, if one of your customers got up from a spa pedicure and there was a small puddle on the floor next to the foot bath, that customer could possibly slip and suffer an injury of some sort. If she decided to sue the nail salon for the damages, then the general liability portion of your nail technician liability insurance would provide the much needed coverage.
Other “just in case” reasons to secure nail technician liability insurance include similar situations where a customer might somehow suffer an injury—or believe she suffered an injury—during her appointment with the professional nail technician. Unlike an accident, however, these scenarios may involve the nail technician more directly.
An example might be a nail technician who slips and cuts the customer with a nail tool during a manicure. In this instance, the customer may decide to file a legal claim due to the injury. For this type of circumstance, it would be the malpractice portion of your nail technician liability insurance that would kick in to provide the necessary coverage. Malpractice liability insurance is designed for scenarios where a client claims damage or injury due to a lack of skill or competence on the part of the professional providing the service.
Another piece of a solid, nail technician liability insurance policy is the product liability insurance. This component of your nail technician liability insurance is geared toward situations where a client may claim damage or injury due to a certain product used during the nail appointment, such as a soaking solution that may have caused an allergic reaction, or a hot wax that resulted in burns.
Of course, most nail technicians may believe that such situations could never occur in their own working lives, but the fact of the matter is that few people can predict when these kinds of accidents might happen. This is why nail technician liability insurance exists in the first place.