Nail salon
Nail salon insurance — GL, BOP & workers’ comp in one call.
Coverage built for nail techs and salon owners: general & professional liability for slips, burns and reactions, product liability, a BOP for your suite, and workers’ comp for your staff. Same-day certificate for your landlord. Мы говорим по-русски.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Let us shop it — or start your quote online right now
Let us shop it for you (usually worth the call)
Coterie is one of 40+ carriers we work with. When we run your business past several of them at once we can compare what each will actually offer — and that often turns up a better fit, especially if you’ve had a prior claim, run more than one location, or need endorsements specific to your trade. One call, no obligation, and we handle the certificates afterwards.
Or quote and buy online in minutes
Our partner Coterie writes general liability, professional liability and Business Owners Policies for most small business classes in all 50 states, on A-rated admitted paper. Answer a few questions, see a bindable price, and download your certificate yourself. Built for businesses under 50 employees and under $10M revenue at a single location — contractors up to 15 employees. Some classes and loss histories aren’t eligible.
Coterie is one of several carriers CoverToday works with, and we may earn a commission on policies placed through this link. Buying online means you skip our review — call us first if you want us to compare it against the other carriers we represent. Independent broker — coverage, eligibility, price and availability vary by carrier and policy and may not be available to everyone. (310) 299-5555 · covertoday.com/quote
Coverage that protects the chair and the shop
A single client reaction, infection claim, or slip-and-fall can cost more than a year of premium. We package general and professional liability for your services (acrylics, gels, pedicures), product liability, a Business Owners Policy for your space and equipment, and workers’ comp for your technicians — then issue the certificate your landlord needs the same day.
What it covers
General liability
Slips, falls and accidental injuries to clients in your salon (commonly $1M/$2M).
Professional liability (E&O)
Claims that a service — acrylics, gels, pedicures — caused harm.
Product liability
Reactions to polishes, removers, acrylics and other products you use.
Business Owners Policy (BOP)
Property coverage for your stations, equipment and retail inventory, bundled with GL.
Workers’ compensation
Required once you have employed technicians; covers their work injuries.
How much it costs
A Business Owners Policy for a nail salon averages about $91/month, and many salons pay roughly $500–$1,200 per year for general liability depending on size, services and payroll. Bundling GL with property into a BOP typically saves 10–20% versus separate policies. Workers’ comp is priced on payroll. We compare carriers to match the $1M/$2M limits your lease requires at a competitive total cost.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
Most commercial leases require a salon to carry $1M/$2M general liability and name the landlord as additional insured on a certificate of insurance. If you employ technicians, California requires workers’ comp. Booth renters and independent (1099) techs are generally not covered by the salon’s policy and must carry their own GL and professional liability — usually $1M per occurrence.
How it works
Tell us about your salon
Chairs, technicians, services, and what your lease requires.
We build the package
GL + professional liability, BOP, and workers’ comp — shopped across carriers.
Get your COI same-day, where available
Additional insured added for your landlord and issued fast.
See how the pieces fit
A salon is more than its front desk
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
Treatments
List nail services, products and any additional treatments offered.
- 02
Who performs them
Discuss employees, booth renters and independent operators.
- 03
The space
Review equipment, tenant improvements and insurance language in the lease.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- What your business does and where it operates
- Employees and insurance requirements in contracts
- Existing coverage and your desired start date
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much does nail salon insurance cost?
A BOP averages about $91/month, and general liability often runs $500–$1,200/year depending on size, services and payroll. We shop carriers to find competitive options.
What does nail salon insurance cover?
General liability, professional liability (E&O), product liability for reactions, a BOP for your property, and workers’ comp for staff.
Do I need product liability?
Yes — reactions to polishes, removers and acrylics are a common claim. We include product liability with your salon program.
I rent a booth — am I covered by the salon?
Not usually. Booth renters generally need their own general liability (about $1M). We cover both booth renters and full salons.
Is workers’ comp required for my technicians?
In California, employers with any employees must carry it. We’ll confirm what applies to your setup.
What limits does my lease require?
Most leases require $1M per occurrence / $2M aggregate and the landlord listed as additional insured. We issue that COI same-day.
Can I get a certificate of insurance today?
Yes — usually within minutes once your policy is bound, with your landlord added as additional insured.
Do you speak Russian and Spanish?
Yes — we serve salon owners in English, Russian and Spanish.