Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.
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, nail shop 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 |
Get all the best quotes from leading providers in a click of a button!
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, nail technician 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 business 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
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
