Nail Salon Insurance

Protecting Your Business One Nail at a Time

With extensive experience insuring over a dozen nail salons
nationally, we understand the ins and outs of this beauty
industry, and the unique risks you face. You might say
when it comes to insurance, we've nailed it!

With extensive experience insuring over a dozen nail salons nationally, we understand the ins and outs of this beauty industry, and the unique risks you face. You might say when it comes to insurance, we've nailed it!



Who Needs Nail
Salon Insurance?


Independent Nail Technicians

If you lease a chair or provide mobile beauty services, you face risks and potential liability gaps, which can be very costly.

Nail Salon Owners

You're responsible for the services you provide, your property, assets, employees, security, and more. All of these come with individual risks.



 

Provide the Spa Experience with
Coverage You can Trust

Your direct, physical interaction with customers is what
makes your risk profile unique. In order to maintain a relationship
of trust with your clients, it’s important you hold the correct
policies to protect yourself and make things right
if an unpredicted incident happens.

Provide the Spa Experience with Coverage You can Trust

Your direct, physical interaction with customers is what makes your risk profile unique. In order to maintain a relationship of trust with your clients, it’s important you hold the correct policies to protect yourself and make things right if an unpredicted incident happens.

Commercial Coverages for Nail Salon Owners

Small business insurance is complex and every policy is different. Connect
with our team and refer to your policy for specific coverage details.



Commercial Coverages for Nail Salon Owners

Small business insurance is complex and every policy is different. Connect with our team and refer to your policy for specific coverage details.



General Liability

Covers medical and/or legal expenses if
someone is harmed at your place of business.
While your client is placing her feet in the foot bath for a deluxe pedicure, she shrieks
in pain because the water is too hot! She goes to her doctor, is diagnosed with a
first-degree burn, and decides to hold you liable for the injury.

General Liability

Covers medical and/or legal expenses if someone is harmed at your place of business.
While your client is placing her feet in the foot bath for a deluxe pedicure, she shrieks in pain because the water is too hot! She goes to her doctor, is diagnosed with a first-degree burn, and decides to hold you liable for the injury.

Cyber Liability

Covers expenses associated with a security breach
or compromised confidential information.
You use a database to maintain client records and hold personal information, like
credit card numbers, contact details, and appointment notes. Someone hacked your
database. You may have to pay for an investigation, data restoration, and monitoring.
Plus, customers could pursue a lawsuit.

Cyber Liability

Covers expenses associated with a security breach or compromised confidential information.
You use a database to maintain client records and hold personal information, like credit card numbers, contact details, and appointment notes. Someone hacked your database. You may have to pay for an investigation, data restoration, and monitoring. Plus, customers could pursue a lawsuit.

Income Loss

Covers lost income after a business shuts down related
to a covered damaging event.
You had to evacuate your salon after a damaging storm. It will be nearly a month
before it is safe for you, your staff and customers to return. Income loss Insurance could
help you stay on your feet during a stressful time of costly repairs and no work.

Income Loss

Covers lost income after a business shuts down related to a covered damaging event.
You had to evacuate your salon after a damaging storm. It will be nearly a month before it is safe for you, your staff and customers to return. Income loss Insurance could help you stay on your feet during a stressful time of costly repairs and no work.

Employment Practices Liability
Insurance (EPLI)

This type of management liability insurance is necessary for anyone who has employees. EPLI helps cover lawsuits involving wrongful termination or discipline, discrimination, sexual harassment or retaliation, and failure to employ or promote, just to name a few.
You recently interviewed several candidates to join your team. Upon making your
decision, you delivered acceptance and rejection letters to the candidates. While
onboarding your new team members, you receive a notice that you are being
sued by a rejected candidate for discrimination.

Employment Practices Liability
Insurance (EPLI)

This type of management liability insurance is necessary for anyone who has employees. EPLI helps cover lawsuits involving wrongful termination or discipline, discrimination, sexual harassment or retaliation, and failure to employ or promote, just to name a few.
You recently interviewed several candidates to join your team. Upon making your decision, you delivered acceptance and rejection letters to the candidates. While onboarding your new team members, you receive a notice that you are being sued by a rejected candidate for discrimination.

Commercial Coverages for Nail Technicians

Every small business presents diverse needs, so please connect with our
risk management experts and refer to your policy for your specific coverage details.



Commercial Coverages for Nail Technicians

Every small business presents diverse needs, so please connect with our risk management experts and refer to your policy for your specific coverage details.



General Liability

Covers medical and/or legal expenses if
someone is harmed at your place of business.
You are at a client’s house for a manicure. She is asking for a full acrylic set. While prepping
the nail, your tool accidently slips and cuts her skin, causing her to need a few stiches.
General Liability could help you pay her medical bills.

General Liability

Covers medical and/or legal expenses if someone is harmed at your place of business.
You are at a client’s house for a manicure. She is asking for a full acrylic set. While prepping the nail, your tool accidently slips and cuts her skin, causing her to need a few stiches. General Liability could help you pay her medical bills.

Inland Marine

Mobile technicians may need coverage for specialized on-the-go equipment
in the case of theft or damage. These are often things that are hard
to replace, like nail machinery.
You arrive at the hotel for your bridal party appointment. You ask a hotel staff employee
to help you unload. While unloading, the well meaning employee accidentally drop your
specialized and expensive acrylic nail drill. Inland Marine could help you cover the costs
of your damaged equipment.

Inland Marine

Mobile technicians may need coverage for specialized on-the-go equipment in the case of theft or damage. These are often things that are hard to replace, like nail machinery.
You arrive at the hotel for your bridal party appointment. You ask a hotel staff employee to help you unload. While unloading, the well meaning employee accidentally drop your specialized and expensive acrylic nail drill. Inland Marine could help you cover the costs of your damaged equipment.




Workers Compensation

Anytime you employ another individual, you will need
to offer that person wage replacement and medical benefits
in case of a work-related injury or illness. In the state
of Ohio, all Workers Compensation must go through
the state. However, if you have questions or employees
outside of Ohio, we welcome you to reach
out to our friendly experts.

Workers Compensation

Anytime you employ another individual, you will need to offer that person wage replacement and medical benefits in case of a work-related injury or illness. In the state of Ohio, all Workers Compensation must go through the state. However, if you have questions or employees outside of Ohio, we welcome you to reach out to our friendly experts.

Ready to Explore Nail Salon or Nail Technician Insurance?

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