Your clients receive more than simple manicures and pedicures from you; providing an experience for them will establish your nail salon’s reputation, and the correct nail salon insurance will help you sustain that business.
Businesses like yours have singular risks; the right type of nail salon insurance could make all the difference in case there is an injury or accident in your salon. The highly personal nature of manicures and pedicures–services centered on a client’s appearance–sometimes means that the perception of the injury or damage can be intense.
You may never have to face a claim from an injured client, but in the event that it does occur, you want to be sure that the proper nail salon insurance coverage has been put into place.
A General Liability Policy covers damages from injury to clients or visitors to your salon. It’s a foundational coverage for businesses, either as a stand-alone policy or part of a “BOP”; a Business Owner’s Policy, which combines General Liability with Commercial Property Insurance and Business Income Insurance, two coverages which could be vital points in your nail salon insurance package.
Operating a nail salon takes a lot of your time, and the search for insurance can seem daunting if you’re not sure what to expect when you begin contacting providers for quotes. Don’t let that cause you to delay; knowing what kinds of questions to expect should help you be prepared, and will hopefully forestall some of the dread that can keep you from finding good rates before your current policy renews, or allowing your open date to arrive before you find the best possible nail salon insurance for your situation.
Here are some elements of the conversation you’ll have when you call for your nail salon insurance quote…
- Do You Have Employees or Contractors? Employee status matters when it comes to your nail salon insurance. Do you have only contractors working for you? Full or part-time employees? Do you charge booth rent?
- What Services Do You Offer? Only manicures and pedicures? Do you need coverage for things like massages or other aesthetic services in your nail salon insurance policy?
- What Kind of Equipment Do You Use? Are you seeking a nail salon insurance policy that will cover chairs, implements, and possibly your company’s computers and client files in case of loss?
Your salon’s revenue, location, and whether you own or rent your building are also important considerations, but a quick and reasonably easy quote for nail salon insurance is only minutes away. Click here or call us today at 1-877-907-5267 to speak with one of our specialists about your nail salon insurance needs.