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


NACAMS Insurance Plus

Salon & Spa Association

Associated Nail Professionals

Annual Fee

Starting at $159
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$229 / $249 $199
Student Fee $25 for 12 full months $169 $45 until graduation
Immediate Coverage Yes Yes 24 hour waiting period
Hour Qualification No Yes Professional or Certified: 500 hrs/
Practitioner: 100 hrs
Required CE Hours No Yes 16 every 2 years if certified professional
Professional & General Liability Insurance $2 million per occurrence, $3 million individual annual aggregate $2 million per claim, $3 million individual annual aggregate $2 million per occurrence, $6 million individual annual aggregate
Products Coverage $2 million $3 million $2 million
Rental Damage Coverage $100,000 $300,000 $100,000
Stolen Equipment Coverage $1,000* $2,000 Optional add-on: $95 for $10,000 coverage
Identity Protection Plan $25,000 Yes No
Free Professional Website Yes No Yes
Occurrence Coverage Yes No Yes
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.

*$250 deductible applies to Stolen Equipment Coverage.

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Start Free QuoteClick here to get instant yoga liability coverage or call 8009640158 for more information about our program.

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