Insurance for Your Nail Salon

Nail technician filing a client's nails in salon
Is your nail salon covered?

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.

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Understanding Handyman Insurance

Handyman installing smoke detector
Is your handyman business covered?

Small contracting and repair jobs can be a great way to augment your income, and it can also be a lucrative business–just don’t ignore the need for handyman insurance, no matter what the level or scope of work.

It may seem like overkill, buying an insurance policy if you’re only doing “odd jobs”, but entering homes and places of businesses puts you at risk, and any money saved by not insuring yourself against exposures could be dwarfed by court costs and/or damages if something goes wrong.

Things happen. An accident can occur anywhere, and happen to anyone. (That is, as they say, why they’re called accidents.) Even if nothing is directly caused by your actions, you may be called to prove that in a court of law, and having the ability to cover the costs of doing so (through handyman insurance) could be invaluable.

A handyman insurance policy can be as minimal or robust as you need it to be, and if you need to increase coverage as your business grows, you have that option.

Very few people enjoy price shopping insurance, and if you don’t know what to expect, the process can seem to be endless. When you call to inquire about handyman insurance, prepare to answer a few questions, such as…

What type of work are you doing? This can be a challenge because the very nature of the term “odd jobs” means that you do what’s necessary–you may not know ahead of time what a customer needs. Think of it in terms of what you won’t do. The question is meant to assess risk. Will you be doing things like roofing? Handyman insurance is meant to cover minor jobs, not exhaustive contracting.

How much do you make in a year? Or expect to make? Your insurance professional isn’t being nosy; annual income is key in determining your quote for handyman insurance.

Your physical location, years of experience, and whether you have employees or not are also things that might be asked. Again, these are all factors in pricing, and figure in to giving you a quote for handyman insurance that’s geared to your individual business.

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Risk management is an art, and our business is helping you protect your business–and a business is what you have, no matter how small your scale of operations. Call us today at 1-877-907-5267 to get your quick, free quote for handyman insurance, or click here to start the process.

Inside or Outside? Finding Insurance for Your Painting Business

When searching for painting insurance for your business, you may find that you’re asked to be specific about the type of painting that you do.

This isn’t meant to be a limiting line of questioning; painting insurance is simply geared towards the type of painting being done, and as a painter, you know that interior and exterior painting can be very different pursuits…they also have very different risks.

Professional House Painter Painting the Trim And Shutters of A Home.
Is your painting business covered?


Exterior Painting. One example of the questions you’ll be asked as you seek out a quote for painting insurance for outdoor painting is, “How high up do you go?” It should be obvious that the reason for this is that you (or an employee) can fall as far down as you go up. Risk assessment is a big part of determining the extent of your needs, and the questions you’re asked are to determine the scope of your exposures.

Step ladder and painting tools in modern room. Apartment renovation background.

Interior Painting. Any contracting done inside a home or place of business poses unique risks, and interior painting is no exception. No matter what the skill level of a painter is, accidents happen, and the surroundings they happen in can make a big difference in the type of insurance coverage you require. Whether or not you engage in mostly residential or commercial interior painting will make a difference in the painting insurance that will best suit you.

The method of painting you utilize will come up, as well; whether or not you use brushes or spray guns has an impact on the type of coverage you need.

Certain aspects of painting insurance will be the same no matter what your specific process or whether you specialize in interior or exterior work. Some standard coverages include:

  • General Liability.
  • Workers Compensation.
  • Inland Marine.
  • Commercial Auto.

Talking to an experienced insurance professional who understands your business is key. Preparing for the questions you’ll be asked (“How many employees do you have?” “What are your annual gross receipts?”) will streamline the process and help you determine which plan fits your needs.

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Call us today at 1-877-907-5267 for a painting insurance quote for your business, or click below for a free, quick, competitive quote.

Get the Right Insurance for Your Photography Business

Photographer showing image on camera to client.
Is your photography business covered?

Most individuals who engage in photography as a business venture aren’t doing it out of a cold, calculated desire to make money; it’s usually a situation where a fondness for an artistic pursuit has crossed paths with a way to make a living–or at the very least, a little extra money.

While it’s the best of all worlds to be able to earn money doing something you enjoy (and are presumably good at), the ideal situation would be one where that business has the means to continue for a long time…that’s where photography insurance comes in.

Researching photography insurance isn’t as fun as planning out your next wedding shoot, or offering new parents the chance to capture their infant’s cozy first weeks at home professionally, but it is necessary if you’re accepting money for taking pictures. (And you should probably know a little bit about photography insurance even if you’re only doing it for friends, “for fun”.)

You may already have a basic photography insurance plan in place, or you might be starting a new business, and trying to figure out exactly what you need, and how much it’s going to cost. Answering those questions will require answers to other questions, such as…

  • Type of photography. Are you simply shooting quinceaneras? Contracting with magazines? Going to clients’ homes? Your photography insurance is based on the type of photography you’re doing.
  • Additional services. Do you offer videography? Drone photography? Do you provide lighting? Editing?
  • Mobile or Studio? If you have a physical studio, your photography insurance can cover the property.

If you’ve been in operation for a while, and have a current photography insurance policy, you may want to investigate other options and get a few quotes to see if you can economize. It’s always good business to make sure you’re maximizing your profits, but the best business is making sure that unplanned events don’t derail your dream. When you look at your existing photography insurance, examine the types of risks it covers, and ask yourself if you need to expand it, rather than try and whittle it down.

Photography is rewarding, but it’s also quite a carrier for risk. Whether it’s props and lighting, in a studio or on location, or the possibility of damages while in a client’s home due to negligence or simple accidents, you don’t want to lose the unique opportunity you have because an unforeseen risk wasn’t covered by an available photography insurance policy or add-on.

Call today to speak with one of our insurance professionals at 1-877-907-5267, and see what kind of photography insurance is right for your business, or click below to start the process for getting your quick, free, competitive quote.

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What’s the Worst that Could Happen? The Case for Carefully Considered General Contractor Insurance

Worker fallen from ladder, sprawled on back with tools and hard hat beside them.
Make sure your General Contracting business is covered, even if the worst happens.

As a general contractor, you probably have a knack for balancing the big picture while still paying attention to detail; when it comes time to consider your general contracting insurance policy, it’s a good idea to apply that same organizing eye to your company’s risk management strategy.

Like the spectrum of construction jobs out there, insurance can be seen in terms of scale.

Someone starting out who is trying to keep costs low may opt for a basics-only insurance policy geared towards general contractors. General Liability is a coverage that protects you in the event of injury or damage to a third-party; it’s a requirement from most entities when you enter into a contract, and you’ll want to be sure that your insurance provider can readily assist you if you need to add Additional Insureds to your policy, or provide Certificates of Insurance as proof of your coverage.

If you have employees, you’ll need to be familiar with your state’s laws concerning Workers Compensation, which provides health benefits to your employees for work-related injuries. It can also prevent you from being sued in the event of such injuries, and many states require it–even if you only have one worker, you need to understand your obligations and risks. Familiarize yourself with your state’s laws, and make sure the insurance professional you hire is knowledgeable and experienced.

These policies cover the most important aspects of your general contracting business, but think of your overall risk management plan in the same terms many people think of when it comes to construction. Cost is always a consideration, but relying on a patch job or minimal repair for too long can end up being more expensive in the long run, if the situation ultimately needs more attention.

Beyond basics, here are some additional coverages that are important to make sure your general contracting business leads a long, healthy life…

  • Inland Marine. Your tools are the mainstay of your general contracting business, and insuring them could mean the difference between losing and keeping a job, if they’re damaged or stolen.
  • Commercial Auto. Using vehicles in the course of your general contracting business means opening yourself up to risk, if they’re involved in an accident or stolen. Insuring them is another facet to protecting your business.
  • Property Insurance. This is important if you have a physical location, an office, and equipment kept there. General contracting is more than simply building; it’s organizing contracts, client info, and maintaining records. Protection for your data and off-site equipment can be as important as securing your tools and vehicles.

The worst case scenario answer to the question, “What’s the worst that could happen?” regarding an event with your general contracting business, is that while some occurrences are small, and could be paid off without putting a huge hole in your budget, there is always a good chance that being underinsured could mean being seriously underprepared for a major happening with the potential to put you out of business for good.

Not every business has the same risks, but you don’t want to rely on guesswork when it comes to your livelihood.

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Don’t leave your insurance coverage at the level of a “patch job”; contact us today at 1-877-907-5267 to get help crafting a risk management plan to fit your general contracting business, or click ‘Get a Quote’ above to start the process of getting a quick, free quote within minutes.