As a nail technician, you provide professional grooming for people’s fingernails and toenails to improve their appearance and give them the look they want. It takes a great deal of effort and dedication to your craft to make a client’s hands and feet look fantastic. As part of your work, you might work from home, visit people in their homes or work for a salon. While you might think the chance of an accident occurring is minimal, there is always the possibility of things going awry. This is because your job involves the use of sharp tools and corrosive substances where a slip, spill or another mishap could cause major damage to someone’s property or even cause them a serious injury. It’s possible, for example, for you to physically injure a person’s hands or feet or accidentally spill nail polish or acetate on their clothes or furniture. Another possibility is that when you visit someone’s home as part of your job they slip or fall over your equipment, and you are considered to blame because of negligence on your part.
A legal claim for an accident that occurs during your work activities as a nail technician could result in a costly court process at the end of which you might be legally required to pay compensation to the injured party. Depending on the circumstances this could result in a significant financial loss for you or your business and, in the worst case, lead to bankruptcy. Therefore, it is vital that you consider having public liability insurance to protect yourself when things go wrong.
While it’s not a legal requirement for you to have public liability insurance as a nail technician working for yourself, it is a smart move to have insurance in place; especially when you consider that all it would take is for one person to slip and fall on your gear or for you to accidentally spill toxic liquid on someone’s possessions for you to become liable for a potentially large compensation claim and possibly lose your means of livelihood.
The amount of public liability insurance that you require as a nail technician will depend on various factors such as the types of clients you have and the locations in which you provide your services. The best thing to do is to request a quote and we will discuss your individual circumstances and tailor the best policy for your needs.
Public liability insurance in Australia typically provides nail technician businesses and nail technician contractors cover for:
Public Liability Insurance cost for nail technician contractors snapshot:
Self-employed nail technician contractors, starts from around $980* or $90 per month.
$5 million Public Liability Insurance cost for some nail technicians with no previous claims starts from around $980* or $90 per month.
Important : the above is a guide only ; pricing may vary significantly from the above based on your size, clients, experience and nail technician business activities.
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