Short answer: Professional liability in a salon or nail policy is designed to respond to claims that a service caused an infection, such as after a pedicure, waxing or piercing-adjacent service, subject to policy terms and exclusions.

The details

Sanitation records, single-use tools and foot spa cleaning logs strengthen your defense and are things underwriters ask about.

Some policies sublimit or exclude specific services, so confirm every service on your menu is listed.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: nail salon insurance · professional liability example.

More questions: What insurance does an esthetician need? · What affects the cost of salon insurance? · Does salon insurance cover flood damage?.

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