It takes expertise, patience, and dedication to create beautiful nails, but you have what it takes to bring your clients’ visions to life. After all, it was your enthusiasm for nail technology that inspired you to start your own mobile or freelance business in the first place. And, while nothing beats doing what you love while also pleasing your customers. It’s equally critical to be prepared for when things go wrong. When you run a business, accidents happen all the time, and providing specialised nail treatments comes with its own set of dangers. What if you’re a mobile cheap nail technician insurance UK and you spill acetone or nail paint on your client’s white carpet while doing a home treatment?
They could sue you for damages as a result of your error, leaving you unable to keep your business afloat. Fortunately, Salon Gold can help you protect yourself. Our insurance policy for mobile and freelance nail technicians contains all of the coverage you’ll need, including public liability and treatment risk coverage. You’ll never have to worry about an unexpected accident putting your business in jeopardy since we’ll handle all losses and compensation claims.
What Do You Get With Nail Technician Insurance UK?
With the specific nature of your profession and work in mind, we created our mobile cheap nail technician insurance UK for mobile and freelancers. Your policy includes public liability coverage, which pays out if an accident at work causes someone to be injured or their property to be damaged. However, because public liability does not cover claims arising from professional services. Treatment risk insurance will be provided in the event that something goes wrong during a nail treatment, such as an allergic reaction. As standard, your Salon Gold coverage will include product liability and financial loss insurance.
Although all of these coverages are included in your mobile cheap nail technician insurance UK plan. You may wish to take extra measures by buying any optional coverage. Employer’s liability insurance, for example, is required by law if you employ any employees. Whereas personal accident insurance ensures that you have a steady income if you are unable to work due to an injury. Many nail technicians will also include a stock and equipment cover to protect all of the parts and pieces they’ll need when performing a manicure on a customer.
5 Reasons Why Mobile Cheap Nail Technician Need Insurance UK
If you’re a nail technician, you’re probably already thinking about a lot of things when it comes to your business. You set your prices to be fair to both your customers and yourself, make sure you have all of the latest polish colours, stay up-to-date on the latest gel manicures, and double-check that your paperwork and licence are in order. When you went out on your own, you made a huge bet on your business a bet on your talents, skills, and even your ability to make small talk with clients.
You might be wondering if you really need to spend your hard-earned cash on insurance. Is it really necessary for me to take on another task when running a business is already difficult and time-consuming? We’ve compiled a list of the top five reasons why nail technicians require insurance, and not just any insurance. But Reasons Why Mobile Cheap Nail Technician Need Insurance Nail technician insurance in the UK is specifically tailored to your needs.
#1. Prove You’re Professional
Customers who visit your salon are aware to check for your license, to see if your polishes appear to be new, and to ensure that your equipment is sterilized. You demonstrate your seriousness by having insurance and being able to show proof of insurance to anyone. In addition, if you’re an independent technician looking to rent space in a salon. You may be required to have insurance before you can do so. You can check this box and get on your way if you have a single policy that covers you wherever you go.
#2. Grow with Confidence
You might hesitate if you work in a salon and are a last-minute job doing a bride’s nails with her bridal party at a hotel. What happens if something goes horribly wrong? It’s an unfamiliar environment, and you’re aware that even if someone trips on their way to an appointment with you let alone the risk of acetone or nail polish spilling you could be facing a lawsuit. If you have good nail insurance, you can go ahead and choose your favorite polishes and supplies. Knowing that you’ll be able to focus on the job at hand without worrying about what might go wrong. You can concentrate on making sure everything goes smoothly now that you’re free of that fear. You might even be treated to a glass of champagne!
#3. Nail Injuries Can Be Serious
You don’t have to look hard to find story after story about nail salons posing a threat or posing a risk. Manicures and pedicures can easily go wrong and result in serious injury. As evidenced by stories of million-dollar lawsuits filed after a client was injured and blamed on a nail salon. Being a great nail technician isn’t an easy job, and it takes a lot of skill. That is why risking everything is not worth it.
Let’s face it: even the most skilled nail technician has made blunders. Perhaps you cut a client’s cuticle too short, causing them to bleed, or perhaps you forgot to sterilize an instrument between customers, causing someone to contract a fungus that they must treat. Those are minor examples, but you can imagine a nail clipper slipping and injuring a customer, or water in a pedicure bath being too hot and burning a customer.
Even the most meticulous nail technicians make mistakes, which is why it’s a good idea to have a policy that covers client injuries, even if you hope you’ll never need it. “An ounce of prevention is worth a pound of cure,” as the saying goes, and this is one case where spending the money on a policy can be worth a lot more than you paid, even if you hope you’ll never need it.
#4. It’s Easy and Affordable
Gone are the days when getting cheap nail technician insurance meant making an appointment with an agent and spending weeks filling out forms, wondering if you got the right coverage or ended up with the coverage you didn’t need, such as for electrical work or construction. You can be covered in as little as a few minutes with online insurance companies that have used technology to tailor policies for various professions. The reasons why nail technicians need insurance start to add up fast. But, not as fast as the potential costs of not having it, especially with monthly payments and prices that are less than the cost of one manicure.
#5. Keep Ahead of the Competition
A bottle of OPI or Essie may be purchased by anyone, but you’re a pro. It’s a part of life to stay ahead of the competition, and one way to do so is to decrease the number of things you have to worry about. If you have insurance, you may still take care to be safe, hygienic, and provide excellent service, but you can also focus on your business by mentioning your insurance in marketing materials and to clients who may call with queries about your firm. Another approach to distinguish oneself is to purchase insurance.
Good reasons to get mobile beauty technician insurance
Let’s start with the reasons why mobile beautician insurance isn’t a good idea. You’re so good at what you do, for example, that you’ll never make a mistake. And none of the products you employ will cause an allergic reaction in your customers.
That reminds me of the automobile we were discussing. It’s the equivalent of declaring you’ll never lose concentration and run into the back of someone. Or have someone slam into you from behind.
The issue is, no matter how diligent or sure you are, mistakes and accidents happen for a variety of reasons. And the ramifications can be severe.
You treat people’s actual bodies and faces as a beautician. As a result, any error you make has the potential to cause pain, emotional anguish, and even trauma. If a client experiences an allergic reaction to a chemical or agent you utilize, the same rules apply.
Both can result in large-scale compensation claims. So maybe, after all, you do need insurance to safeguard yourself and your company.
What types of mobile beauty insurance do you need?
#1. Treatment and professional liability insurance
Treatment and professional liability insurance are required when it comes to treatment-related injuries and accidents. That’s because a client has been physically being almost certain to file a claim.
Assume you accidentally burn someone’s skin with a hot wax. Alternatively, the stones you utilize for your hot stone treatment are sizzling rather than warm. Perhaps your client has an allergic reaction to the glue you use for fake lashes. Worse, they claim that your lack of ability in putting the lashes has caused their eyes to get injured.
You’ll have to deal with the claim regardless of how valid it is or isn’t. This involves time, money, and legal knowledge. All three are covered by mobile beauty therapist insurance. Which pays for a lawyer to defend you and covers any compensation you owe.
#2. Public liability insurance
It’s always risky to visit folks at their homes. Trampling mud all over a client’s cream carpet isn’t going to win you any friends. But causing more serious damage can cost you money.
You might destroy expensive carpeting by spilling dye or a chemical agent on it. Perhaps the varnish on a designer wood sideboard bubbles due to your hot equipment. You may also just accidentally knock an antique vase off a shelf.
You will be forced to pay to repair whatever damage has occurred. It’s also possible that you’ll be to cover the expense of completely replacing the item. The legal process is handled by public liability insurance, and any damages you must pay are covered as well.
#3. Portable equipment insurance
It takes not just ability, but also the correct instruments to make your clients look like millionaires. And, whichever treatments or looks you specialize in. You’ll have amassed a collection of tools to aid you in your work.
If your equipment is out of commission for any reason, the difficulty begins. Perhaps it will be harmed. While traveling from one location to another, you may misplace anything important. Alternatively, you may return to your car after an appointment to discover that the rest of your belongings have been from the boot.
You can’t work without the tools of your profession. You’ll have to reschedule appointments, and clients may choose to go somewhere else.
All of your gear, as well as tech devices like cell phones and laptops, are under portable equipment insurance. It pays to repair or replace objects as if they were brand new. In the meanwhile, it even covers the expense of renting equipment.
FAQs
Do you need insurance to be a nail technician UK?
Employers’ Liability insurance is compulsory if you hire anyone, from an assistant to a team of nail technicians. Employers’ Liability insurance covers legal defense costs and any required settlement payments if an employee falls ill or is injured due to their work for you.
How much does a self employed nail technician make UK?
On average, self-employed nail technicians can make anywhere from £100 to £400 a day, which would earn you between £26,000 and £104,000 a year before tax. This includes self-employed positions that are based within a salon environment, such as renting a chair.
What does public and products liability insurance cover?
Public and product liability insurance protects businesses from paying compensation to a third party in the event of personal accidents, injury, or property damage resulting from any business activity and manufactured or supplied product.
