Insurance for nail salons.

General liability, professional liability for infections and allergic reactions, property for pedicure chairs and your build-out, and workers’ comp for nail technicians.

What nail salons usually carry

General liability, $1M / $2M
Professional liability
Property and pedicure chairs
Equipment breakdown
Business income
Workers’ comp

Watch for these in a nail salon policy

Footbath infectionsInfections traced to pedicure tubs are among the larger nail salon claims. Check that professional liability covers infection without a low sublimit.
WaxingWaxing burns and torn skin are common claims, and a policy written for nail services alone may not cover waxing at all.
Technicians paid as contractorsPaying technicians on a 1099 does not keep them off your workers’ comp audit. If they carry no coverage of their own, the auditor may count them as employees.
Chair valuesInsure pedicure chairs at replacement cost, not actual cash value. After a fire, a depreciated payout will not buy new chairs and plumbing.

What landlords and shopping centers ask nail salons for

Additional insuredThe landlord and the center’s manager, named on your general liability.
Waiver of subrogationStandard in most retail leases, on both property and liability.
Liability limitsUsually $1M per occurrence and $2M aggregate, with some centers asking for an umbrella.

Questions nail salons ask

Straight answers.

The questions we hear most, answered plainly.

Does my nail salon policy cover a client’s infection?

It should, under professional liability. Some policies cap infection or communicable disease claims far below the main limit, so check the sublimits.

Do I need workers’ comp for nail technicians?

In most states, yes, once they are employees. Technicians paid as contractors with no coverage of their own are often counted as employees at audit anyway.