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.