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The Ultimate Guide to Nail Salon Insurance​

Commonly Asked Questions

As the owner of a nail salon, you’ll understand that there are lots of moving parts to your business, not to mention the turnover of staff, which is typically higher in nail salons that other types of beauty-related service providers. Buying business insurance for a nail salon is an essential part of your annual duties and something that requires time, care, and attention.

Quick References

Why Do Nail Salons Need to Buy Insurance?

Just like any other commercial operation, there are certain risks that are faced by nail salons on a daily basis. Even with the most cautious staff and the best risk management processes in place, accidents can occur at any time. Here are some of the most common risks a nail salon should insure themselves against.

  1. Specialist Salon Equipment Breakdown

While you will appreciate that a nail technician needs a skilled pair of hands and razor-sharp attention to detail, your equipment plays a vital part in your daily operations too. Should that equipment develop a fault, you’ll want to get it taken care of as quickly as you can to ensure your business and your clients aren’t impacted as a result. Apart from the risk of mechanical breakdown, you also need to consider how your salon could operate in the case of a fire or other such disaster?

  1. Slips, Trips, and Falls in your Salon

If a customer was to take a tumble in your salon or they slip up on a patch of water, the nail salon is liable for any injury that happens onsite. Perhaps a client put their coat on a chair, and it gets stained by residual polish that was dripped on the seat just a few moments before they arrived? Your salon will be liable for the cost of cleaning and/or repair for that coat.

Buying General Liability Coverage for your nail salon can help you pay for the damages that result from injury to a client’s person or property. It can also give you coverage for the legal costs, and where applicable, it might even cover the medical costs too.

  1. Unplanned Interruptions to your Business

If your business cannot operate as normal, whether that be down to a problem in the building you lease or own, a fire, water damage, or some other ‘covered’ disaster, there will still be bills that your nail salon needs to pay.

Buying Business Interruption Coverage can help you mitigate any financial costs involved with moving your business to a temporary location or even closing down your salon until while you wait for works to be carried out.

  1.  Problems with Products

Did you know that as a nail owner, you are actually liable for the products you sell to your clients?

Most nail salons will resell a range of grooming products, serums, or polishes to their clients. However, if a client was to have a reaction to one of the products, then you become liable for that and could face legal action.

Product Liability Coverage for Nail Salons can help protect you for any products you make, sell, use, or distribute, in the event that product causes injury or harm to a person or their property.

  1. Issues arising from your professional services

If an angry client decides to make a claim against your salon that relates to the professional services you provide, then you will need to make sure you have the correct professional liability coverage for your nail salon in place.

  1. A member of staff has an accident in the salon

As you will appreciate all too well, a nail salon has a lot of health hazards. Even though your staff is trained in health and safety, even with the best risk management in place, accidents can happen. From exposure to chemicals to muscle injuries and more, there are many different ways a person can become injured or ill due to their work.

Workers compensation coverage is a legal responsibility in most states and it can give your team peace of mind that should an event occur in the workplace that causes them to become ill or injured, your workers' compensation coverage can help with a portion of their wages and their medical expenses too.

What Insurance Does a Nail Salon Need?

There are many different types of insurance policies online for nail salons. The right level of coverage and the right add-ons will depend on the size of your business, the services you offer, and whether or not you own the building your nail salon is in.

Finding an expert insurance broker for nail salons can help you get an experienced insurance agent who is familiar with your industry and the best places to buy nail salon insurance from. Here are the most common types of insurance that nail salons need to consider.

  1. Professional Liability Coverage

This insurance will pay any resulting costs should your services or advice harm a person or their property. If you hire a chair or booth to a nail technician, then asking them to have their own professional liability coverage in place is a good idea.

  1. Crime Insurance Coverage

This type of insurance for your salon could help to cover the costs if someone was to steal property or money from your salon.

  1. Employment Practices Liability Coverage

Also referred to as EPLI, this type of insurance for your nail salon can cover you against claims made by past or present employees of your business.

  1. Workers Compensation Coverage

This insurance is essential if you employ staff in your nail salon. It can cover any physical injuries and payout any associated costs that are connected to health problems or illnesses that arise as a result of working with any hazardous materials.

  1. General Liability Coverage

This can form part of an overall BOP insurance for nail salons, or it can be purchased as a standalone insurance product. It could payout for any property damages, medical, and defense expenses if your nail salon was to injure a person or their property.

  1. Business Interruption Insurance

If a fire, storm, or other significant event was to take out the power to your nail salon, or there was fire or water damage, for instance, this could impact your ability to operate as normal. You might lose money, and you’re probably won't b able to service the needs of your clients. This type of insurance can help your nail salon by potentially replacing any lost profits, and in some cases, it may also cover a portion of your staff’s wages too.

  1. Commercial Property Insurance

This offers protection for your nail salon from any loss of property that could be caused by explosions or fires for instance. It can payout to replace or repair the property, along with the contents in the case of a covered event.

  1. Product Liability Insurance

Product liability coverage is something that protects your nail salon if a product you make, use, sell or distribute causes injury to a person or property. This is sometimes offered as part of a BOP for nail salons, but it’s worth checking the levels of coverage and the types of coverage offered to ensure its inclusion.

Disclaimer: This information has been written for the public as informational only. Since coverage varies from state to state, it is important to speak to a licensed insurance agent in your state.

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