About Manicures
A manicure is a beauty treatment for the fingernails and hands performed either at home or in a nail salon by a licensed professional nail technician or manicurist. A manicure treatment is not only a treatment for the natural nails but also for the hands. A manicure consists of filing, shaping of the free edge, cuticle treatments, massageof the hand and the application of polish. There are also manicure services that are specialties for the hands and feet. For the hands, the soaking of a softening substance and the application of a lotion is a common speciality. This procedure can be applied to the toenails and feet, this treatment is referred to as a Pedicure.
Other nail treatments may include the application of artificial nail tips, acrylics or artificial nail gels. Some manicures can include the painting of pictures or designs on the nails or applying small decals or imitation jewels.
In many areas, manicurists are licensed and follow regulation. Since skin is manipulated and is sometimes trimmed, there is a certain risk of spreading infection when tools are used across many people and, therefore, sanitation is a serious issue.
Coverage & Cost
Professional liability (malpractice) and general (premises or ‘slip & fall’) liability for one low price of $179yr
Estheticians, Cosmetologists & Nail Technician $2 million of coverage per year
$3 million annual aggregate of coverage
100,000 Damage to Premises No Deductible
Massage Therapists & Bodyworkers & Energy Work
$2 million of coverage per year
$3 million annual aggregate coverage 100,000 Damage to Premises No Deductible
Animal Massage Therapist $5,000 of coverage per occurrence
*The total liability of the Company (insurance provider) for the combined total of Damages and Claim Expenses for all Claims because of all Bodily Injury or Property Damage sustained by one or more animals, persons or entities as the result of any one Occurrence arising from services performed in the treatment of any animal shall not exceed $5,000.
Our plan covers you working anywhere in the United States or U.S. territories.