Business Insurance for Nail Salons and Technicians

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Nail Salons
Nail technician painting a client's nails.
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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 covers basic nail salon risks, such as a customer slipping in a pedicure tub. Bundle with commercial property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
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.

  • 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.

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

Workers’ compensation insurance

Most states require workers' compensation for nail salons that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

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

Why do nail salons need insurance?

From solo nail techs to mobile salon owners, nail professionals 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.

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
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