Nail Salon Insurance
Nail salons have a unique risk when it comes to insurance. Because there is so much contact between your tools and your client’s skin, there is a chance of injury. How are you protected for those rare circumstances where someone is injured or at least claims to be injured? Whether it’s fear of a customer coming in with a greenie or worrying about damaging the nail bed, you need the right nail salon insurance to protect your business.
Nail salon insurance will help protect your nail business from bodily injury, slip and falls, property damage and even advertising disputes.
Without the right coverage in place, you will not be protected from these types of claims. Our coverage will help protect your business from bodily injury, slip and falls, property damage, and even advertising disputes.
Why Do You Need Specialized Nail Salon Insurance?
If your product or tools damage clients nails, you can expect an unhappy client. Unhappy clients can lead to lawsuits. Without the proper protection, you will be left to defend yourself and that can cost a lot of money.
Our nail salon insurance is just what you need to protect your business. Accidents are costly and defending them can be even more expensive. With our policy, you’ll get peace of mind anytime a claim may arise. Here’s what we can do to protect you.
General Liability Insurance
Our policy will cover your professional services for bodily injuries, property damage, libel, and advertising claims. Our nail salon insurance also covers common claims such as slip and fall and dissatisfaction with service.
In these cases, our insurance will cover legal expenses such as settlements or judgments, attorney fees, and court costs.
Professional Liability Insurance
This coverage is the glue that holds the whole nail salon insurance package together. While many carriers offer affordable general liability coverage, few offer professional liability insurance. Professional liability insurance specifically covers the nail services you offer.
If you are sued because a client claims they have an infection and it’s your fault, general liability insurance would not cover that situation. A regular business policy would notify you that you are on your own. That’s because nail services are part of your professional services. However, the professional liability coverage in our policy fixes this problem, giving you total coverage.
Nail salon property insurance covers any equipment and products you may have. If your equipment is damaged by theft, fire or vandalism, you’re covered. Property coverage is optional.
Because we package these three policies together in one big policy, you save money.
Remember, just because you haven’t had a claim or would never intentionally do something wrong, you can still get sued. Insurtec is here for you every step of the way to defend you.