Insurance for Nail Salons

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Why Nail Salons Need Insurance

Services offered by the establishments listed in this industry include manicures and pedicures.

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.

What Risks Could Nail Salons Face?

  • 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 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 the need to take off work.

Insurance Coverage that Nail Salons May Need

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 consider health insurance. If you offer additional services like hair or makeup, you may need barber insurance, cosmetology insurance, or hair stylist insurance.

  • General Liability: Pays medical, property damage, and defense expenses when your nail salon services cause injury or damage to a customer’s property.
  • Commercial Property: Protects your salon from loss of property due to events like fires or explosions.
  • Crime: Pays costs when an employee or other party steals from your business. Theft can include money or property you own for business.
  • Worker’s Comp: Many think worker’s comp 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.
  • Professional Liability: 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.

How Much Does Nail Salon Insurance Cost?

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. You can request a quote for salon insurance cost by clicking on the button below.

$40
Minimum monthly cost
for low risk businesses
$42
Median monthly cost
for average size businesses
$47
Average monthly cost
for average size businesses

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
General Liability
This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy. General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

What is it: This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy.

Why get it: General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

Professional Liability
This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity. Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

What is it: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity.

Why get it: Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

Commercial Property
This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage. If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

What is it: This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage.

Why get it: If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

Workers Compensation
Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work. Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

What is it: Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work.

Why get it: Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

Hired & Non-Owned Auto
This insurance protects the business in the case of any incidents involving a vehicle that has been hired by the company to be used for business-related purposes. It also provides coverage in the case your business uses other vehicles which are not property of the business, such as having delivery drivers use their own vehicles. If your company hires vehicles or allows employees to use their own vehicles for business purposes, you will want to consider this insurance.

What is it: This insurance protects the business in the case of any incidents involving a vehicle that has been hired by the company to be used for business-related purposes. It also provides coverage in the case your business uses other vehicles which are not property of the business, such as having delivery drivers use their own vehicles.

Why get it: If your company hires vehicles or allows employees to use their own vehicles for business purposes, you will want to consider this insurance.

Umbrella Insurance
Umbrella insurance offers excess liability protection in the case that your General Liability, Commercial Auto Liability, and/or Employer's Liability coverage is insufficient. It essentially acts as a "back-up" plan, providing additional financial protection in the case that your business faces a particularly large claim that exceeds a single policy's limits. This policy can be particularly valuable for a business that faces a variety of risks and has multiple liability policies.

What is it: Umbrella insurance offers excess liability protection in the case that your General Liability, Commercial Auto Liability, and/or Employer's Liability coverage is insufficient. It essentially acts as a "back-up" plan, providing additional financial protection in the case that your business faces a particularly large claim that exceeds a single policy's limits.

Why get it: This policy can be particularly valuable for a business that faces a variety of risks and has multiple liability policies.

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