Business liability
Covers harm to health from treatments, allergic reactions and damage to clients' belongings, as long as your treatments are named in the policy.
Insurance broker / Business types / Beauty and wellbeing
Insurance for beauty, nail and lash salons in Germany
Your clients trust you with their face, eyes and hands. An allergic reaction to lash glue, a burn after waxing or pigment changes after laser treatment can lead to medical bills and claims for compensation. This page shows how to protect yourself, what it costs and which treatments must be named in your policy.
The question almost everyone asks first
Are all my treatments automatically covered by my public liability policy?
No. What is covered is what the policy names as your activity. Classic beauty treatments, manicures and pedicures are almost always included; lash extensions, permanent make up, laser, IPL and microneedling often only for an extra premium or not at all. Hyaluronic filler injections count as medical treatment (Heilkunde) in Germany and cannot be insured for beauticians without a licence to practise. Send us your price list and we will check it against your policy.
What goes wrong in this trade
- 01
Glue near the eye
Lash glue contains cyanoacrylate. Fumes and drops can irritate or injure eyes, and allergic reactions are common.
- 02
Burnt and red
Wax too hot, a peel too strong, a laser set wrongly: burns and pigment changes lead to long treatment by a dermatologist.
- 03
Fungus and infection
Nail extensions and foot care can pass on infections if instruments are not properly cleaned and sterilised.
- 04
Expensive devices
Laser, IPL and microneedling devices easily cost five figures and are sensitive to power surges and water.
- 05
The line to medical treatment
Injections, deep peels and some laser treatments are reserved for doctors or licensed alternative practitioners (Heilpraktiker). Anyone offering them anyway has no cover.
- 06
Dust and fumes
Nail dust, solvents and monomer strain airways and skin. Allergies are a typical occupational disease in nail salons.
Compared with other trades, 1 low to 5 high.
The insurance you need
Essential
Strongly advised
Business contents
Replaces couches, fittings, beauty products and stock after fire, water and burglary.
Electronic equipment
For laser, IPL, microneedling and radiofrequency devices, which become expensive after a breakdown, power surge or fall.
Depends on the business
Business interruption
Pays rent and wages if the salon stays closed for weeks after water damage.
Cyber insurance
Helps if online booking or client records containing health information are attacked.
Occupational disability
Protects your income if allergies, eyes or back make working on clients impossible.
Business legal expenses
For disputes over treatment results, vouchers, rent reductions or with staff.
What it costs: example prices
Beauty salons are among the businesses that are cheap to insure, as long as they offer classic treatments. The premium rises with permanent make up, laser and other devices, and with the number of therapists.
| Insurance | Example | Typical range |
|---|---|---|
| Business liability | Beautician or nail technician working alone, classic treatments | about 70 to 180 euros a year |
| Business liability | Salon with three therapists, lashes and permanent make up | about 200 to 500 euros a year |
| Business liability | Salon with laser, IPL and microneedling | about 350 to 900 euros a year |
| Business contents | Fittings and products worth 30,000 euros | about 60 to 200 euros a year |
| Electronic equipment | Laser or IPL device worth 25,000 euros | about 250 to 600 euros a year |
For comparison: Public liability and contents cover for a small beauty salon cost roughly as much per year as three to five full sets of nails.
Guide figures excluding German insurance premium tax, as of September 2026. The entry premiums come from publicly quoted tariff examples; device based treatments and electronic equipment are guide figures from our own quoting experience. Your premium depends mainly on your treatments.
Our suggestions: three packages
01
Solo
For: beautician or nail technician working alone, including mobile work
- Business liability
Together about 70 to 180 euros a year
Request this package02
Salon
For: your own salon with fittings and up to three therapists
- Business liability
- Business contents
- Business interruption
Together about 300 to 800 euros a year
Request this package03
Devices
For: salon with laser, IPL and online booking
- Business liability
- Business contents
- Business interruption
- Electronic equipment
- Cyber insurance
Together about 900 to 2,000 euros a year
Request this packageThe worst day in the beauty salon
Six things that really happen in beauty, nail and lash salons, all on one single Thursday. Tap through the day and see who pays.
Damage so far€40,000
-
After a lash infill, both of a client's eyelids swell up. Eye specialist, cortisone, two weeks off work.
-
Wax that is too hot burns the skin on a client's lower leg. Burn wound, scar, compensation.
-
After IPL treatment, pale patches remain on a client's face. Dermatologist, expert report, lengthy treatment.
-
Nail varnish drips onto a client's pale designer handbag.
-
The laser device falls off its trolley. The handpiece is broken.
-
A water pipe bursts in the flat above. Couches, fittings and products are soaked and the salon stays shut for two weeks.
Which package would you have had?
Illustrative amounts before any excess. Whether and how much is paid depends on the policy terms.
Practical tips from your broker
- Send your complete price list to the insurer or to us and have every treatment confirmed, especially lashes, permanent make up, laser and IPL.
- Choose at least 3 million euros cover for injury and property damage, and preferably 5 million for device based treatments.
- Keep your NiSV certificate of competence and device documents. Without them, the insurer can reduce payment after laser damage.
- Carry out an allergy or patch test before lashes, tinting and laser, and have clients sign the information and consent form.
- Make sure mobile treatments are included if you also work in clients' homes or at weddings.
- Insure expensive devices with electronic equipment insurance; contents insurance does not pay for a fall or an operating error.
Why NAMMERT for your business
We check treatments against the policy
Most gaps arise because a new treatment is added and nobody updates the policy. As a broker we compare several insurers against exactly your price list.
We know claims practice
In boat insurance we settle claims ourselves. After a skin reaction we know which documents the insurer needs: consent form, allergy test, photos.
Salon and private cover together
Liability, contents, devices, your income protection and your private policies all come together with us, with one contact person.
A family business since 1989
Our advice costs you nothing; the insurer pays our commission. You talk to people who take the same time for you that you give your clients.
Questions and answers
Frequently asked
Do I need professional liability insurance as a beautician in Germany?
Not by law, but a single skin injury can cost several thousand euros. It is often sold as professional liability; at its core it is public liability that names your treatments.
What does insurance for a nail salon cost?
Public liability starts at about 70 euros a year. With fittings and business interruption, a small salon is usually between 300 and 800 euros.
Are lash extensions covered?
Not automatically. Many tariffs include them for an extra premium, some not at all. Get the inclusion confirmed in writing.
Can I offer laser and IPL?
Yes, with proof of competence under the NiSV. Some treatments, such as laser removal of tattoos and permanent make up, are reserved for doctors and cannot be insured for beauty salons.
Are hyaluronic filler injections insured?
No, if you do not have a licence to practise medicine or as a Heilpraktiker. Injections count as medical treatment, and without a licence you risk penalties and liability without insurance cover.
Who pays if I develop an allergy myself?
If it is recognised as an occupational disease, the BGW pays for treatment and retraining. Income protection insurance covers your earnings beyond that.
NAMMERT insurance broker
Request quotes for Beauty salon
The recommended covers are already ticked. Change what does not fit; we obtain quotes and come back with a comparison. You can write in English.
Thank you, we have your request.
We will be in touch within one working day. If it is urgent: +49 3375 29 12 77.
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Official classification
This page covers the following classes of the German WZ 2025 (identical to NACE at four digits):
- 96.22 Kosmetiksalons und ähnliche Schönheitsbehandlungen
Source: Federal Statistical Office of Germany (Destatis), WZ 2025. All business types
Boat or yacht? Here we are not the broker but the underwriting agency, with our own policies and our own claims handling.
Boat insuranceNAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker. Statutory disclosure (German) · Updated