As a nail technician, your work involves grooming and improving the appearance of a person’s fingernails and toenails. This can include providing manicures, pedicures, nail shaping, applying synthetic nails and nail polish for a client.

If you are self-employed working from home, visit clients to provide your services, or work in a salon, there is always the risk that of something going wrong and an accident occurring. You could, for example, cause physical harm to a person’s hands or feet, spill nail polish or acetate on someone’s clothes or furniture, or even have a situation where a client slips or falls on your equipment and is injured.

This is why it is vital to have the appropriate public liability insurance in place to protect yourself against legal claims for damages when the unexpected occurs. Although you may think the chances of causing damage or injury to someone is unlikely in your profession, if something does go wrong it could result in a significant financial loss that could bankrupt your business, and in the worst of cases, lead to a large personal financial loss.

Public liability insurance for a nail technician is designed to protect you against legal claims for compensation if you are found liable for property damage or physical injury to a third party doing your work. It may pay for your legal expenses when defending a claim in court as well as paying for any compensation you are ordered to pay if you are found to be at fault.

This type of insurance is relatively inexpensive but may cover you for significant potential losses if things go wrong. While you are not legally required to have this type of insurance as a nail technician, it can help to protect the business you’ve spent time establishing and give you peace of mind of knowing that you may be covered when an accident occurs.