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Nail Salon

In nail salons, nail technicians provide cosmetic nail services including manicures, pedicures, acrylic nail application, nail painting, airbrushed nail art and nail repair. They provide cosmetic nail services exclusively and do not offer other cosmetic services.

General Liability Insurance for Nail Salons – There is a moderate chance that customers could become injured on the salon’s premises due to slips and falls; customers could also become victims of infections or chemical injuries due to improper nail care services. As a result, nail salons should sanitize their equipment between each client.

Workers’ Compensation for Nail Salons – 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. Nail salons should be well ventilated to prevent breathing and lung related problems.

Business Auto Insurance for Nail Salons – If nail salon employees use vehicles for business purposes, there is a risk of automobile accidents, automobile theft and vandalism.

Property Insurance for Nail Salons – Fires may occur in nail salons if wiring and electrical equipment is not installed or maintained properly. The chemical products used in nail salons will increase the risk of fire. Excess chemical supplies should be stored away from the main operation. If a nail salon’s property is damaged to the point where business cannot be conducted, it will lose money due to business interruption. This is especially true if the nail salon must relocate to a different area.

Crime Insurance for Nail Salons – There is a low risk that employees of nail salons could steal from their employers. There are also possibilities of fraud, vandalism, robbery and burglary at nail salons. Nail salons may have a large amount of cash on hand. They should secure the money and make frequent bank deposits.

Insurance Policies To Consider:


Sadler & Company, Inc, Insurance Services, Columbia, SC