Business Insurance for Nail Salons and Technicians

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Nail technician painting a client's nails.
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Save money by comparing business insurance quotes for nail salons

A lawsuit over an infection from a manicure or other complaint could lead to financial loss for your small business. Gain protection from legal expenses and more with nail salon insurance.

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One application, multiple quotes

Insureon helps nail salons and technicians compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do nail salons and technicians need?

These policies provide coverage for the most common nail salon risks.

General liability insurance icon

General liability insurance

This policy provides coverage for common nail salon risks, such as a customer slipping on water from the pedicure tub. Bundle with property insurance for savings in a BOP.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance under one plan. This is often the most cost-effective type of commercial insurance for nail technicians and salons.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for nail salons and technicians covers lawsuits related to work performance, such as a customer dissatisfied with a manicure.

BEST FOR
  • Clients who are dissatisfied with results
  • Claims that a manicure or pedicure caused injury
  • Missed appointments
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for nail salons that have employees. It can cover medical bills for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
Looking for different coverage? See more policies.

How much does insurance cost for nail salons?

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Several factors will have an impact on insurance costs, including:

  • Nail salon services offered, such as manicures and pedicures
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Why do nail salons need insurance?

Nail professionals – from solo nail techs to mobile salon owners – strive to make nails look fabulous. However, there are many risks when dealing with powerful chemicals and critical customers. Nail salon insurance can be the factor that keeps your business going despite a lawsuit or injury.
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