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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.
Get same-day insurance
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. Bundle it with commercial property insurance for savings in a BOP.
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
- Customer injuries and property damage
- Business 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 insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for nail salons that handle credit card numbers and other personal information.
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 income
- Location
- Types of insurance purchased
- Policy limits and deductibles
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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