Protect Your Nail Salon with liability Insurance

How to Insure Your Nail Salon

October 2, 2024

What if one of your clients is unsatisfied with your work or has an allergic reaction? What if a client slips and falls at your nail salon? You’ll need business liability insurance to protect your nail salon against lawsuits.

Your nail salon will need customized business insurance to ensure that it’s protected against any third-party (customer/supplier) liability claims.

Here are the recommended liability coverages for nail salons:

General liability insurance: Protects against third-party claims of bodily injury or property damage that occur on the salon premises. This coverage can help with legal fees, settlements, and medical expenses.

Professional liability insurance: Also known as malpractice insurance, this coverage protects against claims of negligence, errors, or omissions in the services provided by the salon, such as nail treatments.

Property insurance: Protects the salon's physical assets, such as the building, equipment, furniture, and supplies, from covered perils like fire, theft, or vandalism.

Business interruption insurance: Provides coverage for lost income and extra expenses if the salon is unable to operate due to a covered loss, such as fire or water damage.

Commercial auto insurance: If the salon owns vehicles used for business purposes, such as mobile nail salons or transportation of supplies, commercial auto insurance provides coverage for accidents and liability.

Cyber liability insurance: Protects your nail salon financially against data breaches and cyberattacks that may compromise sensitive customer information, such as credit card information.

Product liability insurance: Provides coverage if a product used or sold by the salon causes harm or injury to a customer.

Umbrella insurance: Provides additional liability coverage beyond the limits of other your other liability insurance policies, such as CGL insurance, offering extra protection against large lawsuits.

If you’re a freelance nail technician professional, you would benefit from a nail technician insurance policy tailored to your professional needs.