Whether you run a salon or a business selling beauty products, it’s a wonderful thing to work in an industry where you help people feel better about themselves. Unfortunately, this can sometimes go wrong when a particular litigious client comes after you and sinks your business with a single lawsuit.

We’re going to explore some of the salient points of nail salon insurance over the course of this guide. We’ll take a look at nail technician, nail salon, manicurist and pedicurist insurance cost as well as some of the best nail and beauty insurance companies around. Finally, we’ll show you some nail technician & nail salon insurance quotes so you can know exactly what you can expect to pay.

Liability Insurance for Nail Technicians & Nail Salons

Nail tech liability insurance is one of the most common forms of business insurance for nail salons because it ensures that they won’t end up getting sued for property damage or for bodily injury. There are a few different kinds of liability insurance, with the most comprehensive being general liability insurance coverage.

General liability insurance for nail salons, businesses and technichians will apply to anyone in the business, including members of the public who come into the business, as well as the employees, vendors and even the business owners themselves. If one of them files a lawsuit against the business and wins, nail business liability insurance will kick in and pay for the damages up to the policy limit.

Public Liability Insurance for Nail Technicians & Nail Salons

Some small nail tech businesses may not have too many employees or vendors coming in to their place. For these ones, public liability insurance for nail salons and technicians may be just about enough. Insurance companies charge less for it as well in most instances because it covers a smaller spectrum of risks. 

The main difference between general liability and public liability insurance for nail technicians, salons is that public coverage will only apply to members of the public. This will include anyone who comes to your business as a client as well as people who work for other companies, like someone who delivers nail polish to your business every week.

Nail Salon Insurance Cost

In general, the average nail salon insurance cost is about $43 per month, or $516 per year, for a standard general liability insurance coverage.

However, manicurist insurance cost depends on a few different things that insurance companies will look at when you apply for a policy. The main factor influencing the cost of your pedicure insurance is the kind of policy you’re opting for, since every policy means the insurer takes on a different level of risk.

For example, general liability insurance for nail salon is more expensive than public liability coverage. Another thing that will impact the cost of your acrylic nail insurance is your nail salon’s history. A salon with a spotty history will end up paying more for insurance because the insurer believes that there’s a higher chance of them making a mistake once again.

Self-Taught Nail Tech Insurance

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 Technician Insurance

Mobile nail tech insurance is usually a little more affordable on the liability front because mobile nail techs don’t usually see as many people as a full-on salon. However, this is offset by the additional forms of coverage that these manicurists have to pay, including commercial auto insurance.

It’s important to keep in mind that your personal auto insurance policy will most likely not apply while you’re using your vehicle for commercial purposes. If you don’t want to be in hot water if you get into an accident, you’ll likely need to get your hands on a commercial auto insurance policy.

Best Nail Tech Insurance Companies

There are plenty of nail tech insurance companies out there, and picking the right one can be a challenge if you don’t know anything about the carriers working in the industry. We’re going to explore the average cost of insurance as well as the various policies offered by each of these companies. To compare quotes and coverage options online from all the best nail tech insurance providers, click the 'Get Quotes' button, complete the form and let them compete on your business!

Progressive Nail Tech Insurance

Progressive was founded in 1937, and the company is mainly known for being one of the largest auto insurance companies in America. However, Progressive also provides business and home insurance through underwriters. Throughout its history, Progressive has always been on the cutting edge, including being one of the first insurers to sell through the internet.

Progressive Policy Details

Progressive offers a few different generic policies for manicurist insurance through their Progressive Advantage Business Program. These include general liability coverage, professional indemnity, and optional forms of coverage like BOPs, commercial auto, and even workers’ comp.

Pros:

• Easy online quote process

• Offers preferential rates on BOPs

• Also offers commercial auto coverage

Cons:

• Pricey

Average cost: $41 per month

Best for: Large nail salons

Beauty Insurance Plus Nail Tech Insurance

Beauty Insurance Plus is a risk purchasing group that exists to serve beauty professionals across a wide range of industries, including nail techs. The company partners with Allstate Business Insurance to provide their members with BOPs, and they also offer specific policies for students.

Beauty Insurance Plus Policy Details

Since Beauty Insurance Plus is a risk purchasing group, they offer a flat rate to their members for manicure insurance coverage. This flat rate gets you both professional and general liability insurance with policy limits of $2 million per occurrence and $3 million aggregate, though it also features product liability coverage, rental damage insurance, and more.

Pros:

• High limits

• Extremely affordable cost

• Also includes stolen equipment insurance

Cons:

• Not a carrier itself

Average cost: $13 per month

Best for: Small nail salons or independent nail techs