Nail Extensions Liability Insurance
No Hassle. No Quotes. Immediate Insurance Coverage.
Excellent-rated liability insurance policy that covers beauty professionals for more than 500+ beauty and wellness services. Get A-rated coverage for just $179/year, in just five minutes.
Immediate Nail Extensions Insurance Coverage
Our online application takes 5 minutes, and you'll receive instant coverage and proof of nail technician insurance upon checkout.
#1 Trusted Nail Extensions Liability Insurance
We have insured thousands of nail extensions procedures and are backed by 5-star independent customer reviews. Most professional nail technicians choose Elite Beauty Society for peace of mind and reliable professional insurance support.
Mobile Nail Extensions Coverage
Do you travel between clients or work in more than one nail salon? Don't worry, our nail tech insurance policy will protect you in all 50 states.
Policyholder Benefits
We are more than just an insurance company. Elite Beauty Society provides over $1,000 in policyholder perks specifically for the beauty industry and nail salon specialists.
Immediate Coverage
Our online application takes 5 minutes, and you'll receive instant proof of insurance upon checkout.
#1 Trusted Insurance
We have insured thousands of cosmetologists and are backed by 5- star independent customer reviews.
Mobile Coverage
Do you practice at more than one place? Don't worry, our coverage will protect in all 50 states.
Member Benefits
We are more than just cosmetology insurance, EBS has over $1,000 of member perks tailored to the beauty industry.
Affordable Liability Insurance Policy for Nail Extension Professionals
Nail extensions liability insurance policies start at just $49 per year for students and $179 per year for full-time professionals. At Elite Beauty Society, we understand that your focus is on delivering exceptional professional services and maintaining client safety, not worrying about unexpected accidents. That’s why we have fixed-rate insurance plans that provide comprehensive coverage, including professional liability insurance and general liability insurance.
With affordable pricing and all the coverage you need for nail extensions, false nails, and other beauty industry treatments, you’ll have total peace of mind knowing your career, finances, and reputation are protected from costly liability claims, legal fees, and medical bills.
See our rates below:
Two Year
$
299
/year
One Year
$
179
/year
Student
$
49
/year
Premier Professional Beauty Insurance You Can Trust
Trusted by Leading Companies
Rest assured you and your career are protected with Elite Beauty Society. We're A-Rated (Superior) and backed by Arthur J. Gallagher.
BBB A+ Accreditation
Elite Beauty Society takes great pride in achieving an A+ accreditation from the Better Business Bureau. Trust is at the heart of our values, and we remain unwavering in our commitment to prioritizing our customer communities.
Top-Tier Financial Strength
Elite Beauty Society is backed by carriers rated A (Excellent) by AM Best—an independent global credit rating agency—ensuring reliable coverage and long-term financial stability.
Nail Extensions Professional Insurance Highlights and Coverage
The average liability claim in the beauty industry can exceed $5,000, making nail tech liability insurance an essential safeguard for anyone offering professional services behind the table.
Elite Beauty Society’s nail extensions insurance policies provide comprehensive protection that shields your work, your business, and your peace of mind. Our nail technician insurance policy includes both general and professional liability coverage, and Identity Theft Protection to help with legal defense costs, fraudulent identity issues, and client injuries that may occur during or after services. You’ll also receive support for personal and advertising injury, ensuring financial protection if a claim arises related to your marketing or client interactions.
Whether you need insurance for nail extensions, general liability coverage for your salon space, or a professional liability insurance plan that supports your long-term success, Elite Beauty Society delivers reliable insurance protection trusted throughout the beauty industry.
Nail Technicians Insurance Policy Details
Professional & General Liability:
$2 Million per occurrence
$3 Million per year
Personal Injury and Advertising Injury:
$2 Million
Identity Theft Protection:
$25,000
Professional liability insurance protects you from the risks that come with nail enhancement services. Sometimes called errors and omissions insurance, it steps in if accidents happen and a client claims your work caused discomfort, harm, or bodily injury. If a claim is made, this coverage helps pay legal fees, defense costs, and settlement expenses so you are not paying out of pocket.
General liability insurance protects you from accidents that can happen in any nail salon, mobile setup, or private studio. Think of it as your slip and fall backup. It covers situations like a client losing balance while approaching your station or experiencing discomfort from hand positioning during the service. Personal and advertising injury protection is also included in case someone claims your online content or marketing caused reputational harm.
Together, professional and general liability coverage create a strong safety net. Your finances and your reputation stay protected so you can focus on your craft instead of worrying about legal expenses or medical bills.
Running a nail business today means doing more than creating beautiful sets. You are booking clients online, processing payments through apps, managing business accounts, and promoting your work on social media. With so much of your information stored digitally, identity theft has become a real concern for nail salon owners and spa owners alike.
That is why every Elite Beauty Society policy includes Identity Theft Protection at no additional cost. If your personal or business information is ever compromised, this benefit helps you recover lost funds and navigate the legal and financial process that follows an identity theft incident.
While other providers overlook this protection, we make it a standard feature for those who carry insurance through Elite Beauty Society. Your career deserves to be protected both at the table and online so you can focus on growing your business with complete confidence.
What Kind of Insurance Does a Nail Extensions Technician Need?
As a nail extensions professional, your clients rely on you to enhance their appearance safely and with precision. But even when you follow every protocol, situations can still arise. A client may claim their cuticle was overworked during a service. Someone may notice irritation days later and assume it stemmed from their appointment. Another person could even blame you if a long extension snaps and causes discomfort while they are out living their daily life.
That is why nail tech insurance is not just recommended. It is essential.
A reliable nail technician insurance policy acts as your financial backup, helping cover expenses related to accidents, injuries, or legal claims tied to your services. With both professional and general liability protection in place, you can perform every full set and fill with confidence knowing you have support if a claim is ever made.
Elite Beauty Society offers insurance designed specifically for professional nail technicians. Our plans are affordable, simple to secure, and provide instant coverage the moment your policy begins. Whether you are still in training or fully booked with loyal clientele, Elite Beauty Society is here to protect your talent and your future.
Examples of How Nail Technician Liability Insurance Can Protect You
Here are a few ways nail tech liability insurance could safeguard your career in unexpected situations:
- Example one: A client returns a week after their appointment stating that one of their extensions lifted and caused discomfort while working. They insist the enhancement was applied incorrectly and demand compensation for medical evaluation. Your insurance plan helps handle legal communication and defense costs tied to the claim so the situation does not drain your income.
- Example two: A client claims that their natural nails were damaged because they attempted to remove the extensions at home after seeing them done in your studio. Even though the removal did not occur under your supervision, they hold you responsible for not providing proper aftercare instructions. Liability insurance helps address disputes like these before they escalate into costly legal battles.
Elite Beauty Society Customer Perks
50% off your first 2 months of subscription to GlossGenius Gold:
#1 Scheduling and Booking Software for Beauty Professionals
Discounted Health Insurance Marketplace:
Receive discounted rates to ACA Health Insurance with Dental/ Vision Plans
Lifestyle & Travel Discounts:
Save on Hotels, Rental Cars, And Business Supplies
10% Off a Yearly Subscription to BTC University:
Access 600+ Hours in Continued Education
And, So Much More!
We are continually adding more member perks to better serve our community
What Services Do We Cover?
EBS offers coverage for more than 500+ beauty and wellness services including cosmetology insurance and more.
Trusted By Thousands of Beauty Professionals Nationwide.
Elite Beauty Society is proud to have 5-star, excellent-rated customer reviews. We are dedicated to bettering our insurance and policies to meet the needs of all nail extensions specialists.
Check out what some of our customers are saying:
I love Elite Beauty Society! The rates are great, the coverage is thorough, and everything is so user friendly- from the website to the automated emails that remind you exactly when to renew your policy! Whenever I’ve had to contact customer service, they are always extremely timely with their responses and SO friendly, personable, and professional!
Tessie
EBS Customer
Sign up was easy. Reasonable pricing in my opinion. Recently started taking my own clients and need to have proof of liability. This was the simplest route and I thank Elite Beauty Society for making it an easy process!
Gabrielle
EBS Customer
Why You Need Nail Extensions Insurance to Protect Your Career
As a nail extensions professional, you work directly with clients’ hands using adhesives, tools, and chemicals that, while safe when used properly, still carry risk. Even a small mishap like a reaction to a bonding agent or a client tripping at your mobile setup could lead to a claim that costs thousands.
Whether you’re just starting out or fully booked with loyal clients, this insurance protects your business, your income, and your reputation so you can focus on delivering beautiful results, not dealing with liability claims.
Nail Extensions Insurance FAQs
Professional liability insurance protects you from claims related to the services you provide. If a client alleges that your work caused an injury or resulted in discomfort after their appointment, this protection helps cover legal fees and defense costs. It is one of the simplest ways to safeguard your career and reputation.
Yes. With Elite Beauty Society, Identity Theft Protection is included at no additional cost. If your personal or business information is ever compromised, this benefit helps with up to $25,000 in recovering funds and dealing with the financial and legal process that follows.
Occurrence form coverage means you are protected for incidents that take place while your policy is active, even if a client files a claim after your policy has expired. This ensures long term peace of mind and continues to protect you for past services.
With Elite Beauty Society’s online application, you receive your certificate within minutes of signing up. This is especially helpful if you need proof of insurance to rent a booth, begin mobile services, or secure a position in a salon.
Yes. Your policy includes more than $1,000 in perks such as beauty product discounts, booking software trials, continued education savings, and more. These benefits help offset typical costs nail techs come across to maintain their blossoming career.
You may face risks like:
- Allergic reactions to adhesives or gels
- Nail damage from lifting or breaking extensions
- Infection claims tied to tool sanitation
- Disputes over aftercare if clients remove nails improperly
- Slip-and-fall accidents in mobile or studio setups
Even if you follow every protocol, clients can still file claims. Liability insurance protects you from legal fees, settlements, and medical costs tied to these incidents.
- Coverage Limits: Look for at least $2 million per occurrence, which is standard for professional liability. Elite Beauty Society offers $2M per occurrence/$3M per year in coverage.
- Service Coverage: Ensure the policy includes nail extensions, gel, acrylic, and mobile services. Ours covers over 500 beauty treatments.
- Occurrence Form Policy: This protects you if a claim is filed after your policy ends, as long as the incident occurred while it was active.
- Identity Theft Protection (for you): As a tech handling payments, scheduling, and client data online, your identity is a target. Our policy includes $25,000 in identity theft protection for your personal and business accounts.
- Additional Insureds: If your salon landlord or spa manager requires it, make sure your policy allows you to add them as an additional insured, we offer this option, at just $10 per additional insured.
Yes. A combination of professional and general liability protection is one of the strongest resources you can have if a client chooses to pursue legal action. Your policy helps cover attorney fees, settlements, and related costs so you can continue working with confidence.
Looking for additional information? Read our blog: What Happens If a Client Sues You as a Beauty Professional.
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Compare Nail Extensions Liability Insurance
| Associated Hair Professionals | Next Beauty Insurance | Elite Beauty Society | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Theft Protection Included? | $$$Add'tl Cost | ||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Includes Member Benefits? | |||||
| Coverage in 50 States? | |||||
| Price | $199 | At a Quote | $179 | $185 | $96 |