Insurance for Nail Salons

What Types of Insurance Do Nail Salons Need? 

When it comes to nail salons, time is money. Because of this, you are constantly cycling clients through your doors for nail treatments. If one of these clients were to become injured at your business, would you have appropriate insurance coverage?  

Some common coverages for nail salons are general liability and professional liability. Some examples of what general liability insurance typically covers include certain types of bodily injury to customers (for example, a customer slips and falls after getting a pedicure), certain types of property damage to customers, and copyright infringement (for example, your business social media page accidentally uses an image that belongs to someone else). Professional liability insurance can help protect you if a client believes that a mistake you made in connection with your professional services caused them harm and decides to sue you.

Every nail salon is unique and offers its own set of challenges. Read on to see what other coverages your salon should consider.

Insurance Quotes for Nail Salons 

If you are looking to get insurance quotes for your nail salon, you can request a quote from us by filling out our form here. At Cross Insurance, we work with dozens of carriers, from local insurance companies to national names. With offices in Massachusetts, Maine, New Hampshire, New York, and throughout the Northeast, our agents are available for account management support. If you prefer to call someone to get the process started, you can find a list of all of our offices with their phone numbers here.

a nail salon area with chairs and desk lamps

What Do I Need for a Business Insurance Quote? 

Before reaching out for a quote, it is helpful to gather some information about your business to save time. Your local insurance agent will likely ask you for the following, although they may ask for more information:

  • Your business location
  • Gross annual sales
  • Number of employees
  • Claims history

How Much Does Nail Salon Insurance Cost?   

If someone were to call your salon and ask how much a manicure was, you may have several different prices depending on they type of product they wanted, and what add on services they expected. The same goes for insurance pricing. They type of policies you choose, the number of employees you have, and where your business is located will impact the price. By reaching out to us, we can gather more details to provide your nail salon with a custom quote.

a woman having a manicure in a nail salon
Business Owners Policy 

A business owners policy combines common coverages that businesses have- typically general liability and commercial property. Salon equipment can be pricy, so this option may make sense for your business. As an added bonus, typically a BOP will be cheaper that purchasing the coverages separately. Talk to your local insurance agent to see what coverage options are available for your business.

Cyber Insurance 

The world of business is moving more and more online, and nail salons are no exception. You may have systems in place that keep customer information, handle credit card numbers, and book appointments. Typically, cyber liability insurance will cover notifying customers about a data breach, and recovery of compromised data. You can learn more about cyber insurance here.

Workers’ Comp 

If you have employees, depending on where you live, you will likely need workers’ comp. A workers’ comp policy can help your employees who become injured because of work related events. While you want to take every precaution to ensure your team is safe, including education and proper training, accidents can happen. The cost of your workers’ comp policy will depend on where your business is located, as well as other factors like how many employees you have.

Do I Need Insurance Before I Open My Nail Salon? 

If you are just opening your nail salon, it can be tempting to skip insurance coverage. However, the risks your business faces will still exist whether it is your 5th year open or 5th day open. If you are renting a space, many landlords will require that you show proof of insurance in order to rent the space.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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