Insurance can feel like a confusing maze for nail technicians, especially when misconceptions cloud your decision-making. But with the correct information, finding your way through doesn’t have to be overwhelming.
In this article, we’ll debunk some of the most common insurance myths and empower you to make informed choices that safeguard your business and bring you peace of mind.
Myth 1: I Don’t Need Insurance Because I’m Careful
It’s tempting to think your experience and attention to detail will prevent accidents, but even the most skilled nail technicians can face unexpected issues. And no matter how careful you are, life has a way of throwing curveballs.
Consider these situations that could lead to liability claims:
- Client injury: A client slips on the wet floor at your business, potentially making you responsible for medical expenses for their injuries.
- Accusations of carelessness: Even if you’ve followed every precaution, a client might accuse you of damaging their nails, opening the door to legal issues.
- Repetitive strain injuries: The constant motions involved in filing and shaping nails can lead to long-term injuries. If you have employees who suffer these types of injuries on the job, you could be liable for their care and treatment.
- Allergic reactions: Products such as polishes and lotions can sometimes trigger skin reactions or other issues, which may lead to lawsuits.
Insurance can help protect you from the financial burden these situations can bring. Plus, having coverage shows you take your business — and your clients’ safety — seriously, which can boost your professional image and attract more business.
Myth 2: My Salon’s Insurance Covers Me
Another common misconception is that a salon’s insurance will automatically cover individual nail technicians. However, a salon’s insurance coverage may be designed to protect only the salon, not individual technicians. And if you’re renting a chair as an independent contractor, you’re technically running your own business — and that may mean you’re not covered under the salon’s insurance policy.
This is why having professional liability insurance is crucial. It protects you if a client claims your services caused harm, offering financial security and peace of mind.
Myth 3: I Only Need Insurance if I Have Employees
It’s easy to assume that nail technician insurance is only necessary if you have employees, but even solo nail technicians can face potential risks.
For instance, if a client trips and breaks their ankle while entering your salon, general liability insurance can protect you. General liability covers third-party accidents, property damage, and bodily injuries. And in this case, it could cover medical expenses and related legal fees.
If you do have employees, most states require you to carry workers’ compensation insurance. This coverage protects you financially if an employee gets injured or sick while on the job, ensuring their medical bills and lost wages are covered.
Myth 4: Insurance is Too Expensive
Many nail technicians believe insurance is prohibitively expensive, especially for those just starting out. However, the cost of insurance can be far less than what you might expect, and it’s certainly more affordable than the potential costs of a lawsuit.
Insurance Information You Can Rely On
When it comes to protecting your business, access to reliable insurance information is essential. Visit our Nail Technician Insurance page for more details on general liability, professional liability, workers’ compensation, and other coverage options.
As small business insurance experts, Simply Business can help you find the best policy from one of our trusted national insurers. Get a business insurance quote for nail technicians online in just 10 minutes, speak with a licensed agent to answer questions, or get help comparing coverages at 844-654-7272, Monday-Friday, 8 a.m. to 8 p.m. (ET).
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Stay Informed and Protected
At Simply Business, we have the tools, tips, and resources to help you make smart decisions about growing and protecting your business. Explore our Resource Center, where you’ll find a wealth of articles designed for small business owners like you.
Here are some helpful reads to get started:
● A General Liability Insurance Guide for Small Business
● What is the Best Small Business Insurance?
● What is Professional Liability Insurance? A Guide for Small Business Owners