How to Insure Your Nail Salon

November 4, 2024

As a nail salon owner, you need to protect yourself against liabilities such as third-party injury and property damage to a client or supplier. Do you have enough business liability insurance to protect yourself against lawsuits?

Nail salon insurance can be tailored to protect nail salon owners, nail technicians, and self-employed nail professionals to help protect you against legal claims.

Here are liability insurance coverages to protect your nail salon:

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.

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

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

Umbrella insurance: Commercial umbrella insurance benefits your nail salon business because it helps cover liability costs that go beyond your coverage limits on commercial general liability insurance, commercial auto insurance, product liability insurance, and employers’ liability insurance.

Other business insurance for nail salons:

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.

Western Coast Insurance has licensed business insurance experts to get your nail salon the right insurance package. Our experts are available now to help you navigate the business insurance journey to protect your nail salon business.