Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK nail salons — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Nail treatments range from low-risk filing and polish to invasive procedures that break the skin. Insurers price and cover these very differently, so what you declare — and how you maintain hygiene — really matters.
Cover generally responds to the treatments declared at application. Adding a new service — especially anything invasive — without telling your insurer can leave a related claim unsupported.
Treatments that break the skin, such as some cuticle work, ingrown nail treatment or biab removal involving filing into the nail bed, are treated as a higher-risk category by insurers than standard manicures and pedicures.
Files, clippers and other tools that contact skin or nail beds need proper sterilisation or single-use disposal between clients. Insurers may expect to see this documented if an infection-related claim arises.
Full training should be provided and recorded for every treatment a technician carries out, particularly invasive ones — insurers expect to see evidence that staff were properly trained before performing a procedure linked to a claim.
For treatments using chemical products, a documented patch test process can help support your position if a client has an allergic reaction.
Covers claims where a product you use or sell causes injury, separate from treatment risk, which covers the service itself.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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