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It’s a wonderful thing to run a nail salon.However, you’ll feel terribly bad when things go south and someone holds your business liable for losses. We’ll take a look at nail technician insurance as well as some of the best nail tech insurance companies around.
Nail salon and nail tech liability insurance, primarily offered as general liability insurance, is one of the most common forms of business insurance included in nail technician and nail salon insurance quotes. It ensures that you won’t incur financial losses when taking care of claims due to:
| Coverage | Function |
| Third-Party Personal Injuries | A client might trip and fall within your nail salon’s premises and experience injuries.. General liability insurance will take care of the injured client’s medical expenses if he or she files a claim |
| Third-Party Property Damage | Your nail salon will cause property damage. For example, an employee might spill nail polish to a client’s expensive shoulder bag.
The client will surely file a claim against your business to get reimbursement for her damaged property. In connection, general liability insurance will reimburse the aggrieved client on your behalf |
| Legal Expenses | A client might take legal action after your nail salon inflicted him or her personal injuries or property damage. As a result, you’ll have to pay for attorney fees and other legal costs.General liability insurance takes care of these expenses so that your business won’t incur financial losses |
General liability insurance for nail salons and cosmetologists doesn’t only cover claims from clients. It will also provide protection against other third parties such as vendors and visitors. Also, this liability insurance doesn’t only take care of personal injuries and property damage.
You can include the following add-ons to general liability at an additional cost for an enhanced shield for other exposures related to your nail salons involvement with third parties:
| Coverage | Function |
| Advertising Injury Coverage | An employee might speak ill about a particular client or another nail salon to a customer.
advertising injury coverage will allow general liability insurance to cover attorney fees, payment orders, and other legal costs if your business is sued for slander, libel, copyright and infringement, |
| Rented Premises Liability Coverage | When the rented or leased building you’re using as a salon becomes damaged by fire, general liability insurance will reimburse the property owner on your behalf |
You or an employee might not provide adequate attention when removing a client’s ingrown nail, thus resulting in injuries. Applying nail polish wrongfully is another problem you have to think about.
General liability insurance doesn’t provide coverage when a client experiences economic or financial loss because of such perils. So what insurance provides a shield against losses? Professional liability insurance.
Professional liability insurance is also a common inclusion in tailored insurance for nail technicians and hair salons. This insurance will cover attorney fees, compensatory payments, and other legal costs if a client sues you for:
There are two types of professional liability insurance – claims made and occurrence. The table below outlines their differences:
| Occurrence Professional Liability Insurance | Claims Made Professional Liability Insurance |
| Occurrence professional liability insurance provides coverage to claims made against your business during the time the policy is active or after it has expired. This is an expensive option but provides comprehensive protection | Claims made professional liability insurance provides coverage to claims filed against your business during the time the policy is active or any extended reporting period. This is a cheap option but might not provide extensive protection |
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Some nail technicians and nail salons only attend to a few clients. For these ones, public liability insurance for nail salons and technicians may be enough.
Public liability insurance is cheaper than general liability insurance. This is because the protection it provides is limited.
The main difference between general liability and public liability insurance for nail technicians and nail salons is that public liability insurance can’t include add-ons in its terms. This means that it will only cater personal injury claims and property damage claims from anyone who comes to your business.
Commercial property insurance is coverage for an owned, rented, or leased building you’re using for your nail salon’s operations. Most carriers include this in their tailored nail salon insurance. Others exclude commercial property insurance but allow the customer to get it as additional coverage. The primary function of commercial property insurance is to cover:
Building Destruction- Fire can engulf your nail salon and destroy it. commercial property insurance, will reimburse your losses equal to the value of the damaged building
The compensation you’ll get from commercial property insurance will be equal to the replacement cost or actual cash value of the scheduled building, item, or any other physical assets of your business.
Self-taught nail techs end up paying a little bit more for gel nail insurance initially because they don’t have the same qualifications as those who have gone through beauty school.
However, the increase in premiums is relatively insignificant, so you won’t have to worry about paying a huge amount more per year for coverage. Keep in mind that the size of your operation matters more than your training when you’re getting your hands on a nail tech insurance policy.
For example, a self-taught nail tech who works alone will pay a lot less than one who runs a salon that sees hundreds of customers over the course of a week.
Mobile nail tech insurance is a tailored coverage for nail technicians and nail salons providing services in one place to the next. This includes general liability insurance and professional liability insurance.
In general, the average nail salon insurance cost is about $43 per month or $516 per year for a $1 million general liability insurance coverage.
However, manicurist insurance cost depend on a few different things that insurance companies will look at when you apply for a policy.
CoverWallet offers four insurance options-general liability only, general liability and commercial property insurance, with workers compensation insurance. Work with CoverWallet and you’re sure to enjoy a streamlined insurance process and cheap stable rates. You can even compare quotes using CoverWallet’s platform for an informed buying decision.
Average cost: $18 per month
Our rating: 10/10
Thimble’s nail salon insurance is a tailored business owner’s policy that bundles general liability insurance, commercial property insurance, and other useful insurance products. Work with this insurance company because its nail salon insurance is available as a short-term insurance policy only lasting for hours, weeks, days, or months.
Average cost: $20 per month
Our rating: 9/10
Get all the best quotes from leading providers in a click of a button!
It offers general liability, workers compensation, commercial auto, and commercial property insurance for nail technicians. It also has a business owner’s policy just like CoverWallet and Thimble.
We strongly recommend you buy more than one insurance from NEXT to enjoy a 10% discount on monthly and annual premiums.
Average cost: $25 per month
Our rating: 8/10
Hiscox’s nail technician insurance is great for mobile technicians. It offers general liability insurance, commercial auto insurance, and equipment in transit insurance.
Equipment in transit insurance will cover your losses if nail service equipment and tools got damaged or lost during the trip.
Average cost: $29 per month
Our rating: 7/10
Progressive
Progressive is mainly known for being one of the largest auto insurance companies in America. However, Progressive also provides business and home insurance through underwriters.
Progressive offers a few different generic policies for manicurist insurance through their Progressive Advantage Business Program.
Average cost: $41 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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