Insurance for Nail Salons

Nail salons offer specialty beauty treatments like manicures, pedicures, and acrylic nails. It may not sound like you impact their lives, but customers look to your salon for help to make them feel more confident about themselves. Whether you are a hair salon that offers nail services or a beauty salon that specializes in nail services, your biggest challenge is to maintain a clean environment and deliver quality results. Salon insurance needs to be a priority to protect your business reputation and well-being.

• Customer Falls: Pedicures often include a foot soak. If water splashes out and is left on the floor, a customer can easily slip, fall, and break an ankle or leg. Your nail salon is responsible for any medical bills as well as lost wages if they can’t return to work.
• Allergic Reactions: You use a variety of chemicals in your everyday nail services. There is no guarantee that every customer will have the same reaction to these. If somebody has an allergic reaction to something on their skin, you can be held liable for medical expenses and any pain and suffering.
• Advice Gone Wrong: Nail salons that make recommendations to customers on how to care for nails at home can be sued by customers if the advice doesn’t work. If you suggest certain products and those products damage their skin, nails, or even property you are responsible for all costs associated with the lawsuit.
• Employee Theft: Nail technicians typically cash their customers out at checkout time. Handling money is tempting, and if an employee gets greedy, they may decide to slip some extra money into their apron.
• Employee Illness: The chemicals and products used during nail services have a harsh odor. Breathing this in daily can cause employees to get sick. If their illness is directly related to their daily work for your nail salon, you are expected to pay medical bills and wages for the time they need to take off work.

Every insurance carrier calculates the cost of nail salon insurance differently. The all look at your salon experience, whether you also offer hair stylist or barber services, and what types of safety procedures you have in place. Typically, the cost is between $500 and $2,000 per year for slim and comprehensive coverage plans. You can request a quote for salon insurance cost by filling out our online form.

Make sure that your employees follow safety precautions like sanitizing tools and that they are properly trained to do a specific task. Require your employees to wear protective gear to reduce the risk of a Workers' Compensation claims. And finally, to reduce the risk of customer claims, make sure to have enough nail salon insurance to protect your business from a variety of risks.