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Nail Salon

Nail Salon

Jane's Story

Jane's nails

Jane never expected to own a nail salon, but, when she saw one go up for sale in the local mall, a light bulb went off in her head. She decided to buy the salon and run it. She knew she had a lot to learn about running a business, so she quickly started to do research.

Although she was stressed and busy, one thing she knew she didn’t have to worry about was insurance. She knew that Insurance Maestro had her covered when it came to nail salon insurance. Now, Jane has been running her nail salon for two years successfully, with the best insurance policy backing her up.

A Quick Guide to Nail Salon Insurance

At Insurance Maestro, we understand you want to find the best Nail Salon Insurance possible. It needs to strike the right  balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.

Frequently Asked Questions
about Nail Salon Insurance

How is the cost of nail salon insurance calculated?

No two salons are the same, and the type of coverage you need for your salon should depend on a number of factors, such as the location of your business, number of employees, years in business, the services you offer, whether you lease or own the building, etc.

If I lease chairs out to nail technicians in my salon, what coverage is needed?

If you hire a nail technician to work for your business as an employee, then you might need to by EPLI, and Workers compensation coverage. However, if you lease a chair to them, then you should ask them to purchase and present proof of their own coverage for the provision of their professional services.

If I provide occasional mobile technician services, do I need to buy commercial auto insurance?

This very much depends on whether your personal auto insurance will cover your travelling between different client sites or not. Typically, you won’t be covered when you use a car for work-related reasons, and your equipment will almost certainly not be covered. If you store your kit in the car overnight, then you’ll want to buy commercial auto insurance to make sure that this is covered.

Can I insure my equipment against breakdowns?

Yes, you can. However, most nail salons don’t actually have particularly expensive equipment, and many keep a back-up dryer on-site just in case. Essentially, the nail lamp is the most frequently used piece of kit, and the only item that would slow you down. So, yes, you can buy coverage for this, but you might want to weigh up the cost of purchasing a spare lamp versus buying coverage.

We're Here For You

At Insurance Maestro, we want to help you find the best Nail Salon Insurance for your company’s needs. If you contact us directly, our team of experts will be happy to offer guidance about the different types of coverage you might need to buy. 

Thinking About Buying Nail Salon Insurance?

Read this first.


At Insurance Maestro, we know that buying commercial insurance for your salon isn’t always the most exciting of tasks, but nevertheless, it’s essential for your business, your customers, and your financial protection. Our team is here to make sure the process of buying store insurance is easy and hassle-free.

Quick Guide to Buying Insurance for a Nail Salon

Buying business insurance for your nail salon doesn’t need to be a challenge. We’ve put together a quick overview of the core details you need to be aware of, with clear explanations of what each type of coverage is, and what it will and will not cover.

What coverage do you need to buy for your nail salon?

Whether you are an independent salon with a single employee; working with an agent who is familiar with the risks you face is key. They’ll help you understand the best types of coverage and offer guidance on the right levels of commercial insurance to buy for your salon.

Here, we’ve listed the most popular types of coverage that nail salon owners buy.

In business, liability coverage is designed to protect you from lawsuits or claims that could result in a certain financial strain. There’s a couple of types you’ll need to consider. 

General Liability Insurance
An essential type of commercial insurance that provides coverage from any third-party claims for damage or injury. Practically speaking, if a bottle of your polish was to fall and spill out on a bag or coat belonging to a client; this will cover such an event. Similarly, if a client was to trip or fall in the salon, then a commercial general liability policy will cover this too. 

*If you sell any products from the salon, then you might also need to buy or add product liability coverage to your package as well. 

Professional Liability Insurance
If you lease chairs or space in your salon to other technicians, asking them to have their own PLI coverage in place is pretty standard, and good business practice. If your services cause harm to a person or their property, then this insurance will cover your legal costs along with any resultant claims.

Employment Practices Liability 
This only applies if you hire others to work for you, and not if they are self-employed working in your salon. Also known as EPLI, it is designed to offer protection should a former or present employee decide to sue you.

* If you hire staff, then don’t forget to verify your state laws to check if you need to buy workers compensation coverage. We can help you with this too. 

Commercial Property Insurance
If you lease your salon, then your landlord might ask you to buy this coverage. While it covers the physical building, it also offers coverage for your inventory, equipment, furnishings, and more. 

Business Interruption Coverage
If a storm, fire, or water damage (for example) was to take out the power to your salon, you might be unable to operate as usual. This is the type of coverage that could replace lost profits and potentially cover some of your staff wages as well. 

There are other types of insurance for nail salons, such as crime coverage, data breach insurance, theft protection, and auto insurance. However, these will only apply in specific situations. We can help you understand what you do and do not need.

Got a question? We’ve got answers.

Our team of Commercial Insurance experts will be happy to discuss the unique needs of your nail salon. Contact us today, and we’ll work through the options for you, leaving you free to focus your attention back on your salon.

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