Nail Salon Insurance in New Hampshire

Also providing nail salon insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is nail salon insurance?

Operating a nail salon requires a substantial financial investment, and it’s important to protect that investment whenever possible. Nail salon insurance may help protect salons in New Hampshire against a variety of risks.

Nail salon insurance offers tailored coverage for nail salons. Policies usually protect nail salons against both liability and property risks, as they typically bundle multiple coverages together.

What businesses in New Hampshire is nail tech insurance for?

Nail tech insurance is something that most nail salons in New Hampshire should have. Not insuring can result in devastating financial consequences if something happens.

Do nail technicians need their own nail tech insurance?

Nail technicians and nail artists may need their own insurance in certain situations. Whether they ought to purchase coverage depends largely on their employment status.

Nail techs who are employees of a nail salon generally don’t need their own insurance. They usually are included in their employer’s (the salon’s) insurance policy.

Nail techs who are independent contractors might need their own nail tech insurance. Independent contractors technically run their own businesses, and thus typically don’t receive coverage from the salon that hires them. They could get coverage from the salon if listed as an “additional insured,” but most techs aren’t listed as additional insureds on salon policies.

When nail techs or nail artists need their own nail tech insurance policy, coverage is frequently available at quite an affordable price. Premiums for these policies tend to be lower than what nail salons pay, as techs and artists normally don’t need to insure a building, space, office computer or expensive equipment.

What coverages are included in nail salon policies?

Nail salon policies can come with a variety of insurance protections. Depending on a policy and a salon’s needs, coverages may include:

• Commercial Building Coverage: Might cover any buildings owned by a nail salon.
• Tenants Improvement Coverage: Might cover the build-out of a nail salon’s leased space.
• Contents Coverage: Might cover nail tools, supplies and product inventory.
• Business Interruption Coverage: Might cover periods of lower revenue after a disaster.
• General Liability Coverage: Might cover “slip and fall” accidents occurring at a nail salon.
• Product Liability Coverage: Might cover harm that’s caused by the products a nail salon sells or uses.
• Professional Liability Coverage: Might cover harm that’s caused by an employee’s mistake.

There are still more coverages to consider, such as cyber liability coverage, employment practices liability coverage, and commercial umbrella. Salons and technicians offering services at events or client locations likely also need some form of auto coverage, although this might be obtained through an endorsement that’s added onto a personal auto policy.

Technicians and artists normally only need some of these coverages. An insurance agent specializing in nail tech insurance can help technicians and artists select their coverages.

How much do nail salon policies cost?

The premiums that insurance companies charge for nail salon policies vary, but they tend to be affordable. A salon’s location, services, products and many other factors can influence cost.

To find out how much insurance will cost in a specific situation, nail salons can work with an independent insurance agent. Independent agents are able to compare policy options from among several insurers.

How can nail salons in New Hampshire get nail salon insurance?

If you need help insuring a nail salon that’s in New Hampshire, contact the independent insurance agents at Insurance24. Our agents will work closely with you to find a nail salon insurance policy that’ll protect your business well. Of course, we can also assist if you’re a technician or an artist needing coverage.