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.
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:
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
|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:
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
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:
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:
|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
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.
Get all the best quotes from leading providers in a click of a button!
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:
|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
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
|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 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. 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:
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.
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.
|Cost per month
|Cost per year
|Nail salon insurance quotes comparison online
|Short-term and on-demand nail salon insurance
|Business owner’s policy for nail technicians
|Business owner’s policy for nail technicians
|Beauty Insurance Plus
|Small nail salons or independent nail techs
|Large nail salons
Get all the best quotes from leading providers in a click of a button!
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!
Insures you in an instant online
No lengthy talks with agents
Has a custom insurance plan for nail salons
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
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
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
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
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
Easy online quote process
Offers preferential rates on BOPs
Also offers commercial auto coverage
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
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!