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.