Nail Technician

Affordable, Reliable Nail Technician Liability Insurance.

Trust your career with CM&F!

Professional Liability Insurance for Nail Technicians

CM&F offers nail technician liability insurance that is tailored to your individual needs. Designed to protect your assets, license and reputation, CM&F's superior professional liability insurance brings peace of mind to manicurists.

CM&F's nail technician professional liability insurance policies are comprehensive, portable, and flexible - offering 24/7 coverage that is inclusive of any services outlined within your scope of practice according to relevant state laws, as outlined within your policy agreement.

CM&F is one of the country's longest-standing professional liability insurance providers, with over 100,000 healthcare providers across the U.S. putting their careers in the hands of CM&F. With excellent service, innovative technology, and even better coverage, CM&F has your back with the market's best professional liability insurance for manicurists.

Nail Technician LIABILITY INSURANCE BENEFITS
  • Coverage Options up to $2 Million per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer, Telehealth, or Moonlighting Assignments
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Getting Coverage Is Simple!

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Access your quote, finalize your options and purchase coverage

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Access your proof of coverage to share or download, instantly.

Why Choose CM&F?

Family owned since 1919, CM&F believes in great products, with better technology for the best service. Rest easy that you’re backed by the market’s best liability insurance for nail technicians. We believe in investing in technology without sacrificing service. However, like so many companies these days, we don’t think technology solves everything. That is why we have a fully staffed call center as well as options for chat in addition to email support. At CM&F, we firmly believe that if you treat clients respectfully, then the rest will fall into place.

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Get the manicurists insurance that works for you. Most of our products are available online along with being fully automated, allowing our clients to purchase coverage in minutes with access to all their information online because we don’t believe in making people wait. Don’t leave your career exposed. Get liability insurance coverage through CM&F today!

Family owned since 1919, CM&F believes in great products, with better technology for the best service. Rest easy that you’re backed by the market’s best liability insurance for nail technicians. We believe in investing in technology without sacrificing service. However, like so many companies these days, we don’t think technology solves everything. That is why we have a fully staffed call center as well as options for chat in addition to email support. At CM&F, we firmly believe that if you treat clients respectfully, then the rest will fall into place.

Get the manicurists insurance that works for you. Most of our products are available online along with being fully automated, allowing our clients to purchase coverage in minutes with access to all their information online because we don’t believe in making people wait. Don’t leave your career exposed. Get liability insurance coverage through CM&F today!

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

Find Out Why Nail Technicians Love Us!

Top FAQs

Still need help? Search our Help Center to find an answer to your question. Or get in touch:

1-800-221-4904 1-800-221-4904
Do I need Occurrence or Claims Made coverage?

“Occurrence” or “Claims Made” refers to the type of coverage you’d be purchasing. This affects when you are able to report a claim on your policy.

Claims Made: You are only able to report a claim on a claims made policy while the policy is active. For instance, if you let your policy expire, and then six months later a former patient brings a lawsuit against you for an incident which occurred during the policy period, a claims made policy would no longer cover that claim (unless you purchased an Extended Reporting Endorsement, or “Tail Coverage“).

Occurrence: An occurrence policy covers you indefinitely for incidents that occur within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active. It is essentially the same as a claims made policy with a built-in Tail.

For our clients: All the products we offer for Allied Health specialties include Occurrence Coverage, and so you never have to worry about a Tail!

Does having personal liability insurance make me more of a target for lawsuit?

ABSOLUTELY NOT. In the event of a lawsuit, the injured patient’s lawyer will typically name everyone that was involved in the patients care.  Lawyers have no way of knowing who does or does not have liability insurance, as there are no public registries of private insurance contracts. Our liability policy will provide coverage immediately upon notice. That is the protection you need.

How quickly can I get my coverage documents?

You can either apply online or download your application and mail or fax it to our offices. Below are the turn around times for each method:

  • If you apply for coverage online via our CM&F Online Web Applications*, you can pay for and receive proof of coverage in MINUTES!  
  • Printing and Mailing a PDF application can delay the receipt of your coverage documents by a few weeks due to mailing time.
  • You can always fax your paper application to 212-608-4378, and we will process within a few business days, then mail your policy documents out to you, which may take a week or more.

If you have the ability to pay with a VISA or MasterCard, we recommend applying for coverage online.  The process usually takes less than 10 minutes to complete and once you submit your application, you are emailed your coverage documents in minutes–No Delay, No Headache.

If you can’t complete the online application but need your documents right away, you can always fax your application to the number above and include a note directly on the application requesting that we mail or fax your documents as soon as we process.

*Need help applying? See How Do I Apply For Coverage for instructions on accessing our Online Applications.

What are "Per Occurrence" & "Aggregate" liability limits?

Your “Per Occurrence,” or “Per Claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “Aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).

What is Professional Liability Insurance?

Professional Liability Insurance provides protection against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties.  For Healthcare workers, this is commonly referred to as, “Medical Malpractice Insurance” or simply, “Med Mal.” It can also be known as an “Errors and Omissions” policy.