Nail Technicians

What is a Nail Technician/Manicurist

Nail Technicians are licensed professionals who focus primarily on fingernails and toenails within the beauty industry. This can include pedicures, nail extensions, and event/freelance work. Nail Technicians are knowledgeable of the latest manicure/pedicure trends as well as OSHA (Occupational Safety and Health Administration) sanitation procedures during nail services.

What Services Does  a Nail Technician Provide?

Services performed by professional nail technicians/manicurists are regulated by your state board and some services may require additional training. Professional nail programs usually start around 250+ hours of education/training. 

Top Services Performed by nail Professionals

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    Gel Manicures
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    Nail Art
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    Paraffin Treatments
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    Hand Massages
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    Skin Exfoliation
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    Airbrush Nail Art

Or call 1(844) 921-4452 to speak to a live insurance representative.

Where Do Nail Technicians Work?

How To Get Started as a Nail Professional:

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    Find a school that matches your needs
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    Complete the state required program
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    Pass the State Board exam
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    Purchase Professional Liability Insurance

What Is Professional Liability Insurance For Nail Technicians?

As a nail professional, you are responsible for the health and welfare of your clients. Your education and experience enables you to offer your clients excellent services. But you have a responsibility to protect your most precious asset—your career. Let’s face it: Accidents happen. But you can be prepared for the unexpected.

Professional Liability Insurance is a form of risk management in which the insured skincare professional can be protected and relieved of the financial responsibility of a potential loss. 

What does that mean?

It is designed to protect nail technicians from claims arising outside of their direct professional skills. For example, an adverse reaction to products, or infection from cuticle treatment.  

What Does My Liability Insurance Policy Cover?

Your policy covers an additional 350 beauty and wellness services including: cosmetology, skincare, massage and yoga.

Policy Limits

  • Professional & General Liability Insurance: $2 million per occurrence, $3 million per year
  • Product Liability: $2 million per occurrence & per year
  • Rental Damage Insurance: $100,000
  • Stolen Equipment Insurance: $1,000

Additional Benefits

  • Exceptional customer service with live insurance specialists available 8:30 a.m. to 8:30 p.m. EST Mon-Fri, plus weekend hours
  • Instant coverage and digital proof of insurance
  • Member benefits—an identity theft protection plan, stolen equipment coverage, and a free professional website

Professional Rate

Is your career worth $159? That’s all it costs to purchase Elite Beauty liability insurance for 12 full months of coverage. This coverage applies to nail technician/manicurist professionals that work full- or part-time and follows you anywhere in the United States.


Student Rate

Sign up prior to your graduation and for $25 you will receive all the benefits and limits of the professional program for 12 full months. Our policies cover only the discipline you are studying on the day your coverage begins. The effective date of your policy must be prior to your graduation date.


Or call 1(844) 921-4452 to speak to a live insurance representative.

Still Have Questions?






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The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection Plan Association, Inc. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. The Doyle Group. is the insurance partner for Elite Beauty Insurance. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Elite Beauty Insurance program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Elite Beauty Insurance program. Professional Liability and Commercial General Liability coverage under the Elite Beauty Insurance program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Elite Beauty Insurance  is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members.  Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc,  The Doyle Group or Elite Beauty Insurance are insurers.  820 A1A N Highway, Suite W18 Ponte Vedra Beach, FL 32082