Damage to someone else’s property

During a manicure, acetone spills across the counter and ruins a client’s designer handbag. A general liability policy could help cover those types of damages to third-party property.

Honest mistakes and negligence claims

Even experienced nail techs can face claims of negligence. A client develops an infection after a pedicure and blames your sanitation practices. A professional liability policy could help cover the cost of resolving the claim and protect you against related legal expenses.

Protection for your business property

You arrive one frigid morning to find that a burst pipe has flooded your salon, soaking pedicure chairs, dryers, and polish displays. A business owner’s policy (BOP) bundles general liability, commercial property protection, and business interruption coverage to help pay for cleanup, equipment replacement, and lost income — so you can reopen quickly.
Some salon owners choose a BOP because it offers more protection than a stand-alone general liability policy without usually costing much more — a great option if you’re established or planning to grow.

If you’re a mobile nail tech, you could purchase a standalone general liability policy and add equipment and business personal property insurance, also known as business personal property insurance, to help replace stolen equipment and inventory.

Care for sick or injured employees

One of your technicians develops a painful wrist strain after a long week of back-to-back gel sets and pedicures. Workers’ compensation insurance can help cover their medical bills and provide wage replacement as they recover. 

Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your team if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp, since many health insurance policies won’t cover work-related injuries.