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Professional Indemnity & Public Liability Insurance For Nail Artists & Nail Technicians

Market leading cover
Up to $20m limits
Starts from $340 per year
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protects you against

What is covered under this insurance policy for nail artists & nail technicians

Nail artists & nail technicians insurance covers nail artists, nail technicians, nail therapists, nail specialists and students studying nail therapy and is designed to include both professional indemnity, public liability and products liability.

This insurance is suitable for nail artists & nail technicians who are self employed, renting a chair at a salon, working at home, in a salon and a salon owner.

The policy can cover nail artists & nail technicians that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your business in the course of providing your professional services in Australia.

Property Damage

Products liability insurance protects you for claims made against your business for any products sold or supplied by you to a third party in Australia.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your business.

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your services.

other benefits

Value added benefits of upcover’s nail artists & nail technicians insurance

Contract Review

This entitles you to four contract reviews each year you have your business insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

You pull back your clients cuticles too far which causes an infection that spreads throughout their hand.

Trips, Slips and Falls

A client slips on some spilled water that wasn't cleaned up entirely from the floor fracturing their arm.

Negligence

Nails are incorrectly applied causing them to pull the real nail off your clients finger, it gets infected and they require hospitalisation and time off work.

Error of Judgement

A client mentioned they have medical conditions but you forgot to provide the patient form to your technician. They did the incorrect procedure and the client suffered health complications.

Bad Professional Advice

You recommend the use of certain cosmetics without demonstrating and recommending a skin patch test, and use of the products lead to severe skin reaction to the client. .

Third Party Damage

While one of your therapists completes a nail soak and massage, they drop the bowl of water in the client’s clothes damaging their brand new iPhone.

exclusions

What is not covered (exclusions) under nail artists & nail technicians insurance?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Testimonials

Hear what customers have to say about upcover

"I got a quote in seconds! Just glad I could get the cover I need quickly and hassle free.”
Janice J
MAKE-UP ARTIST
"upcover is very transparent and open. I love how everything is explained so easily"
Sheila S
BEAUTICIAN
"Amazing experience. Before I knew it, I was on the "pay now" page. It was quick and very efficient - THANK YOU"
Robert G
COSMETIC TATTOO EXPERT
other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Hairdressers & Barbers
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Eyebrow shaping
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Beauty & Makeup service
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Cosmetic Tattoo Artists
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Other 20+ Beauty Professions
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how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a nail artists or nail technician and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get nail artists & nail technicians insurance to win a client or to conduct beauty procedures at your salon, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, nail artists & nail technicians insurance is the perfect solution for your business.
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faqs

You asked, We answer

Why is nail artists & nail technicians insurance important?

Whether a salon owner or working in one, the job of a nail artist & nail technician can involve some danger and liability. This leaves scope for errors and sometimes mistakes happen or things do not go according to plan. If your client holds you responsible, it could put at risk everything you have worked for.
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You may still be required to get insurance even if you are working as a mobile nail artists or nail technician, or a part-time. If you're unprotected, you could suffer a devastating financial blow.

What can a nail artists or nail technician be sued for?

While we hope it doesn't happen, nail artists & nail technicians can potentially be sued for:
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• Covering medical costs (current and future) for a client that is injured
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• Mental trauma, pain and suffering of the client from the injury

What limits are available with upcover?

You can get covered today with tailored nail artists & nail technician insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re and not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.

Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at upcover and consider whether it's appropriate before making any decisions about whether to buy a product.
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Consider the Policy Wording For Allied Health Professionals Insurance Policy, Policy Wording For The Public & Products Liability Insurance Policy, General Terms & Conditions and the Financial Services Guide to decide if an insurance product offered by upcover is right for you.

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