Short answer: Nail salons typically need general liability, professional liability that responds to infections and reactions, property or BOP coverage for pedicure chairs and equipment, and workers’ comp for employed technicians.

The details

Underwriters focus on pedicure spa sanitation and ventilation.

Independent nail techs renting stations need their own coverage.

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

Related: nail salon insurance · nail tech insurance.

More questions: Are booth renters employees for workers’ comp? · Does spa insurance cover massage? · What is salon malpractice insurance?.

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