Introducing: TNH Business Solutions
Protect the Career You Built With Your Own Two Hands.
Professional liability insurance for independent nail techs offered through our partner Elite Beauty Society, backed by Gallagher. Apply online in about 5 minutes and walk away with instant proof of coverage.
A-rated Insurance Carriers · 500+ ServiceS Covered ·
Follows You in All 50 States · Instant Certificate of Insurance
One Small Accident Shouldn't Risk Everything.
You work nights and weekends to build your book. But a cut from a nail file, an allergic reaction, or a client's slip on the way out the door can turn into a lawsuit that comes after more than your business income — it can reach your personal savings, your car, your home.
Liability coverage is the cheapest employee you'll ever hire: it stands between your career and one bad day.
What’s Covered?
Professional & General Liability — $2M per occurrence / $3M individual annual aggregate
Product Liability — $2M per occurrence / $2M annual aggregate
Rental Damage Coverage — $100,000
Stolen Equipment Coverage — $1,000
Identity Theft Protection — included
Coverage is provided through Elite Beauty Society, a Gallagher Affinity program, and is subject to the policy's full terms, conditions, and exclusions. See the policy documents for details. Offered rate is a reflection of our partnership with Elite Beauty Society offered exclusively to The Nail Hub customers.
One Flat Price. No Quotes. No Hassle.
We’re dedicated to helping you protect and grow a successful beauty business with industry-leading tools that not only make your life easier, but position you to charge premium prices from your clients.
Part-Time
$149 / year
Working 15 hours a week or less
MOST POPULAR
Professional
$159/year
Working 15 hours a week or more
Student
$49 / year
Coverage in school and after graduation
Pricing set and published by Elite Beauty Society. Your price will be confirmed in the application so you know exactly what you're paying.
We get it.
As an independent tech or suite renter, you can feel like you're on an island. No legal department, no marketing team; you just want to do great nails. That's why we made this simple.
Policies through Elite Beauty Society meet the standard insurance requirements for Sola, Phenix, and independent salon suites. Download your COI instantly and hand it to your landlord today.
One flat annual price. No quote process, no waiting on an agent to call you back.
Coverage follows you no matter where you go; booth rental, suite, mobile, or your client's kitchen table.
Real Claims From Real Salons.
These are the kinds of claims liability policies exist to answer. Compare the cost of a claim to the cost of a year of coverage.
REAL CLAIM
Cuticle Infection
A routine pedicure led to an infection claim. Typical claim cost: $2,500+ vs. A year of coverage: $179
REAL CLAIM
Flip Flop Lawsuit
A salon was sued after a client's post-appointment car accident — and still paid a settlement despite winning. Legal defense alone can run five figures.
REAL CLAIM
The Shampoo Bowl Case
A dry bar and its individual stylist were both named in an injury suit. Salons and individual techs can be sued at the same time.
Illustrative examples. Whether any claim is covered depends on the policy's terms and the facts of the claim.
Insurance Is Just the Beginning.
TNH Business Solutions is building the full toolkit for independent beauty pros — appointment booking, discounted payment processing, and a professional mini-website, all in one place. Insurance members get first access and bundle pricing when it launches.
The Resource Library
TNH Business Fundamentals
How to find new clients
No longer Accepting new clients
Avoiding Burnout
Increasing your service prices
How to find new clients
How much should I charge?
The Pyramid of Success
Mindset Strategies
TNH Financial University
Class 1: Where is My Money Going?
Class 2: Wealth Transfers
Class 3: Risk Assessment and
Class 4: Taxes and Inflation
Class 5: Taxable Investment Accounts
Class 6: The True Cost of Paying Cash
Class 7: The Wealth Builder Strategy
Office Hours
Hear from real customers
Nanci Soltani is a shining example of a great nail salon owner. She has won multiple awards for her dedication to quality and has been a successful salon owner for many years. Nanci, her salon, and the individual nail tech were all sued by a client because she got into a car accident after leaving the salon. The client claimed she crashed her car because the disposable flip-flops she was wearing prevented her from being able to hit the brake! Even though Nanci and her salon were ultimately found innocent, Nanci still had to settle out of court and pay the client for damages! Had she not had insurance, she would have lost her business, her house, her car, and more!
This popular dry bar in California was recently sued by a client who alleges she suffered a stroke after having her hair washed in a shampoo bowl! The client is seeking money to cover her medical bills plus damages. The client, 48-year-old Elizabeth Smith, says she visited the salon in late December 2013 and that during her service, her neck was “hyper-extended” due to a “defective” shampoo bowl and chair. This led to her vertebrae cutting through her artery and causing a stroke two weeks later. The service provider is also directly liable for the injury. Accidents can and do happen, so protect your career with a simple policy.
This salon, which has shining reviews on Yelp, has just been sued by a client who alleges the infection she received from the salon after getting a pedicure in March 2015 led to her toe being amputated. The nail tech is accused of using cuticle nippers that caused a severe infection. The situation was made worse by the fact that the client has diabetes, and the infection worsened to the point that her pinky toe had to be removed. The final amount that the salon and the individual service provider are being sued for has not yet been released. Both salons and individual techs can be sued simultaneously!!
Frequently Asked Questions
What is Professional & General Liability?
Professional liability is a blanket statement for the potential risks directly related to your occupation. These are industry-specific incidents that could cause harm to a client. Professional liability can also be known as errors and omissions. In other words, professional liability is something a professional does wrong while working. For cosmetologists, a professional liability may be puncturing a client's skin while giving them a haircut or causing a burn while performing thermal styling.
Professional liability insurance helps protect a worker if they do something wrong that causes harm to a client. Professional liability insurance's protection is an essential component of overall liability insurance. If you're covered with professional liability insurance, you don't have to worry about the cost of a liability lawsuit against you. If you make a mistake and your client gets hurt, professional liability insurance can help keep your finances intact.
If professional liabilities are directly related to your occupation, general liability is the opposite. General liabilities are non-specific to a career or vocation. These risks are universal in any industry. Another way to consider general liability insurance is slip and fall coverage. The incidents covered under general liability can happen in any industry and facility. The most common are trips, slips, and tumbles.
General liability coverage offers protection from lawsuits involving universal risks or incidents. If a client falls and injures themselves while in your salon, general liability could help protect you from the cost of paying the client's compensation. As general liabilities are common and can happen anywhere, protection from general liabilities claims is essential to cosmetology insurance.
What is Personal & Advertising Injury?
Personal & Advertising Injury will protect you against claims like copyright infringement, libel, and slander. This type of coverage will help protect your reputation in the industry.
What is Identity Theft Protection?
In today's world, more than word of mouth marketing is needed to be a successful cosmetologist. Most beauty professionals today have a massive online presence. Nearly every cosmetologist uses social media platforms to promote their business, manage their finances through online banking, or reach clients through their website. While the era of the internet has provided an excellent opportunity for reaching new clients and engaging your customers, it has also created the potential for loss due to identity theft. If you have any presence online, you are potentially at risk for hackers to steal your information.
Elite Beauty Society includes Identity Theft Protection in our cosmetology insurance policy. We want our policyholders to be well protected from every career threat. While most other cosmetology insurance providers do not offer identity theft coverage, we make it a pillar of our policy. If you lose money due to an online predator, we offer protection to help you recoup your losses.
Who provides the insurance?
Insurance is offered and administered by Elite Beauty Society, a Gallagher Affinity program, and underwritten by A-rated carriers. TNH Business Solutions is a marketing partner of Elite Beauty Society — we are not an insurance company or a licensed insurance agent, and we may be compensated when you purchase coverage through the links on this page. All applications, payments, and policy questions are handled by Elite Beauty Society.
How fast is coverage active?
The online application takes about 5 minutes, and proof of insurance is available immediately at checkout.