Nail Salon Insurance & Nail Technician Insurance

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It’s a wonderful thing to run a nail salon where you help people feel better about themselves. Unfortunately, you'll feel terribly bad when things go south and someone holds your business liable for losses.

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 pedicurist insurance cost as well as some of the best nail and beauty insurance companies around. Finally, we’ll show you the best nail technician and nail salon insurance companies so you know where to get covered.

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Liability Insurance for Nail Technicians & Nail Salons

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. It’s also possible for your employee to hurt a client by accident. 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. If you lose the case, you’ll need to pay the amount the client demands. 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. Your business might also harm another business’s reputation with its ad or copy another business’s ad. These are incidents that will result in a claim against your business.  Including 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 infringement, and other related causes
Products and Completed Operations Coverage	Some injuries don't manifest until much later. And if your nail salon caused such injuries to a client, he or she might return and file a claim against your business. This is why it’s useful to add products and completed operations coverage to general liability insurance. General liability insurance with this add-on will cover personal injury claims and property damage claims past clients file
Rented Premises Liability Coverage	Not all owners own the building they’re using as a salon. Add rented premises liability coverage to general liability insurance if you identify yourself as one of these. 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

Nail Salon and Nail Technician Professional  Liability Insurance

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:

• Negligence

• Breach of confidentiality

• Violation of good faith

• Other acts considered errors and omissions 

There are two types of professional liability insurance - claims made and occurrence. The table below outlines their differences:

Public Liability Insurance for Nail Technicians & Nail Salons

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 for Nail Salons

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	Building Damage
Fire will engulf your nail salon or extreme weather might utterly destroy it. You’ll surely incur financial losses as a result. But if you have commercial property insurance, recovering will be easy because it will reimburse your losses equal to the value of the damaged building	Your nail salon’s signage, shop front, doors, windows, and other structures might be damaged by fire, theft, vandalism, and other covered perils. Commercial property insurance provides reimbursements equal to the value of damaged structures

We recommend you get stocks and contents coverage as well as business equipment and tools coverage. These are inclusions in commercial property insurance you’ll get at an additional cost. Nonetheless, they’re helpful. The table below explains their functions:

Stocks and Contents Coverage	Business Equipment and Tools Coverage
Inside your nail salon are expensive items such as reclining chairs, sofas, air conditioner, computer, CCTV cameras, nail polish and other supplies. If these become lost or damage due to fire, theft, vandalism, and other covered perils, commercial property insurance with stocks and contents coverage will reimburse losses	Nail salons like yours invest in pedicure chairs, nail dryers, pedicure carts and trolleys, towel warmer or steamer, nail drills, pedicure LED lamps, etc. Fire, extreme weather, and other covered perils result in the loss or damage of these equipment, and commercial property insurance with business equipment and tools coverage will reimburse losses

How Much Can You Get from Commercial Property Insurance?

The reimbursement 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. The table below briefly discusses what actual cash value and replacement cost are:

Actual Cash Value	Replacement Cost
Actual cash value provides reimbursements that take the depreciation of a scheduled business property into account. For example, if you spent $2 million on your hair salon and it depreciated 5% until it got destroyed or damaged, commercial property insurance will only give you $1 million	Replacement cost commercial property insurance will reimburse your losses without taking depreciation of the scheduled property into account. If your building is worth $2 million and depreciated 5% until getting destroyed or damaged,  commercial property insurance will give you $2 million - an amount equal to the original value of your nail salon’s building

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 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. There’s also another insurance policy we haven’t discussed yet - commercial auto insurance. Commercial auto insurance is a coverage for the vehicle you’re using to reach clients in different locations. It provides the following protection:

Coverage	Function
Auto Liability Coverage	You might cause a vehicular accident. As a result, third parties will incur injuries or property damage. Auto liability coverage in commercial property insurance will take care of expenses if someone files a claim. Specifically, this will cover the medical treatment of injured third parties and reimburse the owners of damaged properties. It’s important for you to know that commercial auto insurance won’t help if you caused a vehicular accident due to the following criminal acts - DUI, driving without a license, driving without a seatbelt, driving with weak headlights, etc
Physical Damage Coverage	Physical damage coverage has two forms - collision and comprehensive.  Collision physical damage coverage will kick in if your vehicle incurred dents, severe scratches, and other types of damage after colliding with a vehicle or an object on the road. Comprehensive physical damage coverage, on the other hand, will take care of things if the vehicle you’re using to provide nail salon services from place to place incurred damage due to fire, theft, vandalism, and other covered perils. It’s best to remember that both comprehensive physical damage coverage and collision physical damage coverage don’t cover the repair or replacement of aftermarket parts
MedPay/Personal Injury Protection	MedPay and personal injury protection will take care of your medical expenses if you get injured after causing an accident or getting involved in an accident. However, unlike personal injury protection, MedPay is more comprehensive. It covers your treatment, funeral expenses, and lost income compensation. Insurance companies underwrite MedPay coverage for customers living in non-no-fault states. On the other hand, personal injury protection is available to customers living in no-fault states

Note: 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.

Nail Salon Insurance Cost

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. 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.