Nail Technicians Liability Insurance

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.

In order to make sure your nail technician liability insurance covers all three of these 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.

For example, if one of your clients happens to have a severe allergic reaction to a lotion that you apply to her feet, then that client may decide to sue you for the damages. In this instance, it would be the product liability portion of your nail technician liability insurance that would kick in to provide the necessary financial support and coverage.

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.

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.

    Nail Enhancements

  • Acrylic
  • False nails
  • Gel
  • Nail Art
  • Nail Extensions
  • Nail Repair
  • Polish

    Hand & Foot Care

  • Foot scrubs
  • Manicures
  • Paraffin pedicures
  • Pedicures
  • Youth Nails

    Nail Decorations

  • Airbrush designs
  • Charms
  • Gems
  • Glitter
  • Painting
  • Stencil designs
  • Varnish

NACAMS Professional Policy for
Nail Technicians

  • Professional & General Liability Insurance:
    $2 million per occurrence,
    $3 million individual annual aggregate
    Product Coverage: $2 million
    Rental Damage Insurance: $100,000
    Identity Protection Plan
    Stolen Equipment Coverage: $1,000*
  • PLUS Free Professional Website and
    Exclusive Member Discounts
  • Instant Coverage in minutes!
*$250 deductible applies to Stolen Equipment Coverage.

Compare Nail Technician Insurance

Associated Nail Professionals

Salon Spa Professional Trade Association

Health and Beauty Association (NAMT/ former IMA)

Professional & General Liability Insurance
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
$1 Million Per Occurrence
$3 Million individual aggregate
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
Occurrence-Form Coverage Yes No No Yes
Product Liability
$2 Million/ occurrence
$2 Million/ occurrence
$1 Million
$2 Million/ occurrence
Rental Damage Coverage
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
$300,000
$300,000 (Fire and Water only) $100,000
Stolen Equipment Optional—Add $100 $2,000 No $1,000  *$250 deductible
Required CE hours
Yes
Yes
No No Hours Required for Insurance
Hour Qualification
Yes
Yes
Yes No Hours Required for Insurance
Identity Protection Plan No $15,000 No $25,000
Annual Fee
$199/yr
$229 – $249/yr
$199/yr
Starts at $159/yr Professional
$25 first-year Student
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information. APPLY NOW   >

 

NACAMS
Professional & General Liability Insurance
Occurence- Form Coverage
Product Liability
Rental Damage Coverage
Stolen Equipment
Required CE hours
Hour Qualification
Identity Protection Plan
Annual Fee $235 $199 $165 Starts at $159
APPLY NOW   >

 

NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information.

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Nail Technician State Requirements

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. Learn More