Plan for potential risks with nail tech liability insurance

From spa pedicures to perfectly painted nails, the role of the nail technician is to provide his or her clients with smooth and polished hands and feet that both look and feel good. However, few folks may stop to think about all the risks inherent to the role of nail technician, simply because accidents and injuries may seem rare. While you may be quite confident that you would never accidentally harm one of your clients, it is important to have nail technician liability insurance—just in case.

The fact of the matter is that there is risk inherent to nearly every type of business, from the flower shop and pizza parlor to the cell phone store and dry cleaners. There is one kind of risk that these businesses all face, and the nail salon is no exception. This core risk is the possibility that a person could slip, trip, fall or have some other kind of accident on the property of the business. No matter whether it is the flower shop, the cell phone store or your nail salon, if such an incident does occur, and the person suffers an injury, there could be a legal claim to face.

The potential for a person to slip, trip or fall inside your nail salon is probably one of the most basic reasons to possess nail technician liability insurance. This is because nail technician liability insurance comes with something called general liability coverage. Also known as trip and fall insurance, this portion of your nail technician liability insurance is designed specifically to provide coverage in cases where a person has filed a legal claim due to a slip, trip, fall or similar type of accident.

It can be difficult to imagine that you may ever have a need for the professional liability coverage that comes with nail technician liability insurance. However, you must remember that accidents do happen. These kinds of accidents may take the form of mishandling one of the sharper tools of your trade, or placing water or wax that is too hot on a client’s hands or feet and causing a burn. If any such incident takes place, and the client decides to sue you for the damages, then you would want and need the malpractice liability coverage offered by a strong nail technician liability insurance policy.

The third portion of coverage that should come with your nail technician liability insurance is called product liability insurance. As the name implies, this kind of coverage is designed to kick in when a client files a legal claim for damage or injury due to a specific product used during his or her nail appointment.