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Nail Salon Insurance

Consider: A purse was stolen during a pedicure, for example, could result in an expensive claim against your company.

However, the right business insurance can help—and give you peace of mind so you can focus on doing what you do best—serving your clients.

Nail Salon Insurance

If you run a nail salon, your clients come to you to be pampered. Yet, as with any business, things can go wrong.
Fungus or bacteria on tools that an employee neglects to clean can cause infections. A customer may have an allergic reaction to the adhesive used to apply artificial nails. A hurricane could hit your salon and shut you down for weeks. A hacker hacks into your computer and steals customer credit card numbers.

You'll need the right business insurance to keep you in business through minor hiccups or major disasters alike.

from $300 per month
General Liability Limits $50,000 to $1,000,000

Recommended coverage

The Salon and Spa Association (SSA) recommends several layers of coverage:

Professional liability coverage. This type of insurance provides coverage in the event an employee's negligence results in injury to a customer. For example, if your salon is sued because an employee fails to sanitize tools and causes an infection, professional liability insurance would cover court costs.

General Liability. This covers legal costs and judgments against you that result from a bodily injury that occurs in your salon. For example, if a customer slips and falls on the steps leading to your salon's entrance, general liability would cover medical bills and court costs, if the customer sues. According to SSA, this coverage also would protect you financially if you damage the business space you're renting.

Workers' compensation. This type of insurance is required by law in some states and covers medical costs and lost wages for employees who are injured or who become ill as a result of doing their jobs.

Property insurance. Property insurance covers your building and equipment in the event of a fire, theft or other covered disasters. Keep in mind that many property insurance policies generally exclude floods and earthquakes.

The Insurance Information Institute also recommends getting business interruption coverage. Property damage coverage pays to replace your building if it is damaged in a disaster -- but what about the lost income while your building is under construction? Business interruption coverage can pay for that lost income based on what you earned before the disaster, utilities and possibly even the costs of operating out of a temporary location.