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Essential coverages for your nail salon
When you also have equipment or operate from a salon
All Basic plan benefits and:
Protect your business against service errors
All Standard plan benefits and:
There are several types of salon insurance to consider including general liability, commercial property, and professional liability. If you have employees, you also need workers compensation and might want to consider health insurance. If you offer additional services such as micro-blading you should make sure they're covered within the policy. If you're going to provide botox and other injection services you will need medical malpractice insurance.
Protects your salon from loss of property due to events like fires or explosions. Pays to repair or replace property and contents of the building in case of these events.
Pays medical, property damage, and defense expenses when your nail salon services cause injury or damage to a customer’s property.
Many think Workers' Compensation only covers employees’ physical injuries. It also pays costs associated with illnesses or health problems that occur due to working with chemicals or hazardous materials.
Employment Practices Liability Insurance (EPLI) covers your nail salon business against employees' claims from discrimination like race, sex, wrongful termination, or a victim of any inappropriate work conduct. EPLI is the perfect insurance to cover potential legal fees and other lawsuit issues.
This is especially important for salons that sell cosmetology products. It pays costs that arise if your advice or the products you sell harm the customer or their property in any way. If you rent a salon booth to a contractor, it is a good idea to require they carry their own Professional Liability insurance.
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.
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.
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