Nail Salon Insurance & Nail Technician Insurance

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:

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

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. 

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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.

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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.

Provider Cost per month Cost per year Best for
CoverWallet $18 $216 Nail salon insurance quotes comparison online
Thimble $20 $240 Short-term and on-demand nail salon insurance
NEXT $25 $300 Business owner’s policy for nail technicians
Hiscox $29 $248 Business owner’s policy for nail technicians
Beauty Insurance Plus $33 $396 Small nail salons or independent nail techs
Progressive $41 $492 Large nail salons

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Best Nail Tech Insurance Companies and Nail Salon Insurance Companies

There are plenty of nail salon and 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 $1 million general liability 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 and nail salon insurance providers, click the ‘Get Quotes’ button, complete the form and let them compete on your business!

CoverWallet Nail Salon Insurance


  • Insures you in an instant online 

  • No lengthy talks with agents

  • Has a custom insurance plan for nail salons 


  • Not an insurance company but a broker

CoverWallet is an online insurance broker that offers instant coverage for nail salons and nail technicians. This company offers four insurance options-general liability only, general liability and commercial property insurance, custom plan, and business owner’s policy 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. 

Best for: Nail salon insurance quote comparison online

Average cost: $18 per month 

Our rating: 10/10

Thimble Nail Salon Insurance


  • Get instant coverage online

  • Decide not to have a deductible


  • Thimble doesn’t offer commercial auto insurance that mobile nail technicians and nail salons need 

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. 

Best for: Short-term and on-demand nail salon insurance

Average cost: $20 per month 

Our rating: 9/10

NEXT Nail Technician Insurance


  • Get a live certificate of insurance upon getting insured

  • Enjoy a 10% discount on premiums when buying two or more policies 


  • Some customers report that NEXT raised their rates without prior notice

NEXT 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. 

Best for: Business owner’s policy for nail technicians

Average cost: $25 per month 

Our rating: 8/10

Hiscox Nail Technician Insurance 


  • Offers equipment in transit insurance for nail technicians


  • Some customers report that Hiscox took several months to process a claim

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. Note that Hiscox allows you to get $3 million coverage from its general liability insurance provided that certain conditions are met. 

Best for: Equipment in transit insurance for mobile nail technicians

Average cost: $29 per month 

Our rating: 7/10

Beauty Insurance Plus Nail Tech Insurance


  • High limits

  • Extremely affordable cost

  • Also includes stolen equipment insurance


  • Not a carrier itself

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.

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.

Best for: Small nail salons or independent nail techs

Average cost: $33 per month

Our rating: 6/10

Progressive Nail Tech Insurance


  • Easy online quote process

  • Offers preferential rates on BOPs

  • Also offers commercial auto coverage


  • Pricey

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 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.

Best for: Large nail salons

Average cost: $41 per month

Our rating: 5/10

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