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Why do nail salons need insurance?
Your goal is to make nails look fabulous. However, there are many risks when dealing with strong chemicals and a steady stream of customers. Nail salon insurance and nail tech insurance provide peace of mind and protect against unexpected financial losses, so you can focus on your business.
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With Insureon, nail salon owners and nail techs can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of insurance do nail salons and technicians need?
These insurance policies cover the most common nail salon risks.
General liability insurance
A general liability policy covers basic third-party risks, such as a customer who has an allergic reaction to nail polish. It also covers personal and advertising injuries.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Product liability insurance
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for nail technicians and salons.
BEST FOR
- Slip and fall injuries
- Business and customer property damage
- Business interruption coverage
Professional liability insurance
This policy covers lawsuits related to the quality of your work, such as a customer who claims that dirty equipment caused an infection. It's also called errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Claims that a manicure caused injury
- Missed appointments
Workers’ compensation insurance
Most states require workers' comp for nail businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber liability insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for nail salons that handle credit card numbers and other personal info.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a nail salon. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does personal care, beauty, and nail salon insurance cost?
A nail tech working on their own can expect to pay less for small business insurance than a salon.
Factors that affect nail salon insurance costs include:
- Services offered, such as manicures and pedicures
- Business property and equipment
- Business location and income
- Types of insurance purchased
- Policy limits and deductibles
- Coverage options, like additional insureds
How do I get nail salon insurance?
It's easy to get nail salon insurance and nail technician insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get proof of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Our licensed insurance agents work with top-rated U.S. providers to find coverage that fits your nail business, whether you work independently or hire employees.
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FAQs about business insurance for nail salons
Review answers to frequently asked questions (FAQs) about nail care business insurance and more.
Do I need a license or certification to become a nail salon technician?
Yes, most states require nail technicians to be licensed. Licensing rules vary by state, but generally, you must complete a nail technician or cosmetology program and pass a state exam before offering professional services.
Some states may also require additional certifications if you provide specialized nail services, like acrylic or gel nails. Whether you plan to work at someone else’s salon, run your own business, or operate as an independent nail technician, obtaining the proper license is essential.
Working without the required license or certification can lead to fines, penalties, or even closure of your business by your state board of cosmetology or local health department.
Can I get nail salon insurance if I operate a mobile business?
Yes, mobile nail technicians can and should get insurance for their business. In fact, liability insurance is often even more important for mobile services because you’re working outside of a fixed salon location and may be visiting clients’ homes or other spaces.
A general liability insurance policy can protect you if a client is injured, has an allergic reaction, or if property is accidentally damaged during a mobile service.
Additionally, certain insurance plans may include coverage for business interruptions. This means if you’re unable to work due to an insured event—like a fire, accident, or other covered mishap—you could receive financial support to help cover lost income or ongoing expenses while you get back on your feet.
Having the right coverage gives both you and your clients peace of mind, helping you focus on your work without worrying about potential accidents or claims.
What other types of insurance should a nail salon consider?
In addition to general liability and professional liability coverage, nail salons should consider several other types of beauty insurance to protect their business:
- Commercial property insurance: Protects your salon’s physical space, equipment, furniture, and supplies from risks like fire, theft, or vandalism. This coverage is especially important if you own your building or have invested heavily in equipment and décor.
- Business interruption insurance: Also called business income coverage, this policy helps replace lost income and cover ongoing expenses if your salon is temporarily unable to operate due to a covered event, such as a natural disaster. This can be a crucial safety net for small businesses.
- Product liability insurance: Provides coverage if a client experiences an adverse reaction to nail products, lotions, or other items you use during services. Even with safe products, accidents can happen, and this insurance helps protect your business from potential claims.
Together, these policies can give your salon a strong layer of protection, allowing you to focus on clients and growing your business without worrying about unexpected setbacks.