The size, location and offered services are factors that determine coverage needs for a Nail Salon. We offer customized Nail Salon Insurance, including General Liability, Property, Crime, Business Auto, Workman’s Comp, and more to meet the unique risks of individual nail salons.
Nail salons, their owners and technicians need protection from claims that arise on the premises, such as a fall. Customers could suffer cuts, infections or chemical reactions due to improper nail care services. General Liability insurance covers settlements awarded to the salon customer, but also pays for legal fees – a benefit many business owners overlook. Personal and Advertising offers protection against claims of slander, libel or copyright infringements in your marketing products.
If you have one or more employees, Workers’ Compensation insurance is required in all 50 states. Employees are at risk of injury due to the large, heavy, and/or awkwardly-shaped instruments and accessories in your store. A variety of dangerous or unpleasant medical conditions could arise for workers in nail salons due to their frequent contact with chemicals and the skin of others, which could include open wounds. Possible conditions include diseases transmitted through blood and musculoskeletal and cumulative trauma disorders. Nail salon technicians could be cut when using tools such as nail clippers, files, and/or electrical files.
You and your employees may or may not offer in home services, but you very likely use a vehicle for business errands. If nail salon employees visit customers’ homes or workplaces, then automobile accidents are a concern. Non-owned auto insurance coverage can be purchased If employees use their personal vehicles for business-related tasks to protect your business from liability.
Damages to your salon caused by fire, vandalism, natural disasters, severe weather, or faulty wiring/plumbing can bring your operations to a halt. The property kept inside your store that is damaged or lost is also covered. The chemical products used in nail salons will increase the risk of fire. If a nail salon’s property is damaged to the point where business cannot be conducted, Property Insurance covers the income loss resulting from the interruption of business.
Embezzlement and theft of property by nail salon employees are covered by crime insurance. And computer savvy dishonest employees can bypass your security controls to steal funds. Theft of or damage to client property by employees and theft by outsiders are also covered.