Nail Salon Insurance Tailored for Your Beauty Business
What type of insurance does a nail salon need?
Explore Insurance for Nail Salons That Covers Clients, Space & Tools
At Gild, we understand the precision and care that goes into your work as a nail technician, and how important it is to protect it. Our nail technician insurance is tailored for small business owners and independent pros who need dependable coverage without complexity. Whether you work in a studio or run your own space, we offer nail tech insurance that fits your setup. From liability to property protection, our plans make it simple to secure the right insurance for nail technicians. Discover nail salon insurance that’s flexible, affordable, and built to support your success.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Keep Your Nail Business Secure With Insurance For Nail Salon
Your nail salon depends on more than just skill. It relies on the safety of your tools, the trust of your clients, and the reputation you’ve built. Gild’s insurance for nail salon helps safeguard all three. From accidental client injuries to damaged equipment or unexpected property loss, our insurance options for nail salons are designed to keep your business moving forward. With expert-backed support and flexible options, you can focus on creating beautiful results while we handle the risks.
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General Liability Insurance – Covers property damage and third-party injuries.
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Tools & Equipment Coverage – Protects against theft or damage.
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Business Interruption Insurance – Helps replace lost income if you can’t operate after a covered event.
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Professional Liability Insurance – Covers financial losses arising from claims of negligence, errors, or dissatisfaction related to a service.
- Workers Compensation Insurance: Legally required for businesses with employees, this coverage pays for medical expenses and lost wages related to work injuries.
Understanding Nail Salon Insurance Cost
Nail salon insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence nail salon insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your nail salon insurance cost is to get a free, online quote in minutes!
Nail Salon Business Insurance You Can Trust
At Gild, our agents specialize in the nail and esthetics industry1. We customize your coverage to protect your business, your team, and your clients, so you can deliver flawless services and grow your salon with confidence.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Nail Salon Insurance Today!
Your nail salon is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands beauty businesses and provides the tools and support you need to stay steady when the unexpected happens.
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Frequently Asked Questions
Nail salons operate in close contact with clients and rely on specialized tools, products, and a clean environment. The core protections include:
- General Liability – Covers third-party claims such as slips, falls, or accidental property damage inside the salon.
- Professional Liability – Protects against claims related to service errors, such as improper application of nail products.
- Workers’ Compensation – Required in most states if you employ staff, covering injuries like chemical exposure or repetitive motion strains.
- Commercial Property Insurance – Safeguards your salon space, tools, and inventory from risks like fire, theft, or vandalism.
- Cyber Liability – Important if you use booking systems that store customer data.
Does nail salon insurance cover product-related claims like allergic reactions?
Yes! With the right policies:
- Insurance may cover claims if a client suffers an allergic reaction or injury linked to nail products or services.
- Coverage often extends to legal defense and settlements, even if the incident was unintentional.
Because nail salons work with chemicals and adhesives, having this protection is critical to manage unexpected claims.
How much does insurance for a nail salon cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is insurance required for nail salons, or just expected by clients?
- Workers’ compensation is legally required in most states if you employ staff.
- General liability or professional liability may not be required by law, but landlords and clients often expect proof of coverage.
- Having insurance isn’t just about compliance—it helps protect your salon’s reputation and makes clients feel secure.
Let's Get The Right Coverage For Your Business!
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