How Much Does Nail Salon Insurance Cost? 2026 Rates

U.S. nail salons can expect to pay between $660 and $840 annually for comprehensive business insurance, averaging $55 to $70 per month. The primary cost drivers are location, services offered, number of employees, coverage limits, business size, claims history, and safety measures.

How Much Does Nail Salon Insurance Cost?

Most nail salons in the U.S. usually spend roughly $55 to $70 a month (about $660 to $840 a year), on comprehensive business insurance. However, the exact price can be higher or lower depending on the salon’s specific needs and circumstances. 

If you run a nail salon, it’s important to know how much insurance will cost. Nail salon insurance helps protect your business from accidents, injuries, or damage, but the prices can vary. 

Most salons pay a monthly fee, and the amount depends on things like the services offered, the size of the salon, and the coverage you choose. 

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Services Offered (affects professional liability)
• Location (affects general liability and property insurance)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

By learning what influences insurance rates, you can choose the right coverage and plan ahead for the expenses that come with keeping your salon safe. 

Average Nail Salon Insurance Costs For Coverage Types

When running a nail salon, it helps to know what each kind of insurance usually costs. Every type of coverage protects your business in a different way, and the prices can vary a lot. 

Here’s a closer look at the major coverages most nail salons need.

• General liability insurance: $55 per month
• Business owner’s policy: $85 per month
• Workers’ compensation insurance: $61 per month
• Commercial auto insurance: $141 per month
• Professional liability insurance: $50 per month

Looking at these average costs for each policy makes it easier to understand what you might pay and choose the coverage that works best for your salon. 

General Liability Insurance

The average cost of general liability insurance for a nail salon is about $55 per month.

General liability is basic protection that most salons need to stay safe from common everyday risks. For example, if someone gets hurt, or if you accidentally damage a customer’s belongings. 

Things that can impact the price include how big your salon is, whether you’ve had past insurance claims, how many customers you get, or if you do higher-risk services like using strong chemicals or heated tools. 

Policy limits: $1 million per occurrence and $2 million aggregate.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums for nail salon businesses, compiled from both national carriers and regional insurance agencies. They reflect typical coverage limits for small-to-medium salons, considering risks such as chemical use, customer injury, and equipment liability. Actual premiums will vary depending on salon size, number of employees, services offered (e.g., manicures, pedicures, waxing), claims history, and state-specific regulations.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $85 per month for nail salons.

A Business Owners Policy will usually combine two main types of insurance, general liability and commercial property insurance into one package. It’s usually cheaper than buying these policies separately, and some plans also include extra coverage like business interruption. 

A BOP helps protect your nail salon from things like customer injuries, loss of equipment, and property damage. For many small salons, a BOP is a convenient way to get broad protection in one plan. 

Several factors impact the costs including property value, where your salon is located, business revenue, number of employees, and any optional endorsements like business interruption insurance.

Small nail salons with low risk usually get a Business Owners Policy.

Policy limits: $1 million per occurrence and $2 million aggregate for liability.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average Business Owner’s Policy (BOP) premiums for nail salon businesses, which typically combine general liability and commercial property coverage. Figures account for industry-specific risks such as client injury claims, professional liability exposures, equipment damage, and property coverage for salon spaces. Actual premiums will vary depending on salon size, number of employees, services offered, location, coverage limits, and claims history.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a nail salon is around $61 per month.

Workers’ compensation insurance helps cover medical costs and lost wages if an employee gets hurt or sick while working in your salon. Most states require salons with employees to have workers compensation insurance. 

Several factors influence the costs including, the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Most workers compensation policies also include employer’s liability insurance, which helps pay if an employee sues over a work-related injury.

State laws determine the limits for workers compensation, but in most cases, it pays for medical treatment and a portion of lost income, with no fixed cap. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Workers’ Compensation premiums for nail salon businesses, incorporating state-specific base rates, employee classifications, and payroll ranges typical of both small independent salons and larger multi-location chains. Actual premiums will vary depending on your salon’s size, claims history, number of employees, and insurer underwriting practices.

Commercial Auto Insurance

The average cost of commercial auto insurance for a nail salon is about $141 per month.

Commercial auto insurance covers vehicles that your salon uses for business purposes. This can include cars used for picking up supplies, traveling between locations, and delivering products. 

Even if you’re only using one car for work, this insurance is important to protect your business from big expenses if something goes wrong. 

Several factors impact the cost of commercial auto insurance for nail salons, including vehicle type and value, number of vehicles, driver history, location, and claims history. 

Most states require nail salons to have insurance for vehicles they own. If  you use personal, rented, or leased cars for your business, you should get hired and non-owned auto insurance (HNOA) instead. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual Commercial Auto Insurance premiums for nail salon businesses, incorporating state-specific base rates, vehicle usage patterns, and payroll ranges typical of both small independent salons and larger multi-location chains. Actual premiums will vary depending on factors such as the number of vehicles owned, driving records of employees, business mileage, claims history, and insurer underwriting practices.

Professional Liability Insurance

The average cost of professional liability insurance for a nail salon is about $50 per month.

Professional liability insurance protects your nail salon if a customer claims that you made a mistake, were careless, or didn’t do your job properly, and it caused them harm. This policy is also referred to as errors & omissions insurance. 

The cost of this policy depends on things like how much coverage you want, how big your salon is, if you’ve had any past claims, and the kind of services you offer.

Policy limits: $1 million per occurrence; $1 million aggregate

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums offered by both small and large insurance agencies for nail salon businesses. Actual premiums will vary depending on factors such as salon size, number of technicians, claims history, coverage limits, and regional underwriting practices.

Nail Salon Business Insurance Costs By Provider

Nail salon business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average annual premiums for nail salon businesses, considering both small and large agencies. Coverage typically includes general liability, professional liability, business owner’s policy (BOP), property insurance, and workers’ compensation. Actual premiums will vary depending on factors such as services offered (e.g., manicures, pedicures, waxing), location, number of employees, claims history, and coverage limits.

What Factors Impact Your Nail Salon Insurance Costs?

When buying insurance for your nail salon, the cost can change depending on many factors. An underwriter, the person at the insurance company who evaluates risks, looks at things like the size of your salon, your location, the services you offer, and your claims history. 

Type Of Nail Salon

Different types of nail salons have different risk levels. A full-service salon offering nails, waxing, facials, and massages will usually pay more for insurance than a small salon that only does basic manicures and pedicures. The more services you offer, especially ones involving chemicals or skin treatments, the higher the risk, and the cost.

High-Risk Services

Offering services like waxing, massage therapy, or using strong chemicals (like acrylics or gels) can increase your insurance premiums. These services carry higher chances of injury, allergic reactions, or customer complaints.

Location

Where your salon is located can affect your rates. Salons in areas with high crime, frequent storms, or lots of lawsuits usually pay more for insurance. A salon in a quiet, low-risk neighborhood might pay less.

Size Of Your Salon

The bigger your salon, more space, more customers, and more employees, the higher the chances of accidents or claims. More employees also mean higher workers’ comp costs.

Value Of Your Equipment And Property

Expensive tools like electric nail files, UV/LED lamps, massage chairs, and custom furniture can raise your commercial property insurance. You may also need extra coverage like equipment breakdown or product spoilage (for things like wax or lotions).

Claims History

If you’ve filed a lot of insurance claims in the past, your premiums will likely go up. But if you have a clean record with few or no claims, you may qualify for lower rates.

Policy Limits And Deductibles

Higher coverage limits give you better protection but cost more. Choosing a higher deductible (the amount you pay out of pocket before insurance kicks in) can lower your monthly payment, but you’ll pay more if something goes wrong.

How To Lower Your Nail Salon Insurance Costs

Insurance is important for protecting your nail salon, but it can be expensive. The good news is there are ways to lower your costs. 

1. Policy Bundles

Some insurers let you combine different types of coverage, like general liability and property insurance, into one package. Bundling can often save money compared to buying each policy separately. 

2. Shopping Around

Comparing quotes from multiple insurance companies can help you find the best price for the coverage you need.

3. Increasing Your Deductible

A higher deductible usually lowers your monthly or yearly premium. 

4. Customizing Coverage

Only pay for the coverage you actually need. Avoid unnecessary add-ons to keep costs down. 

5. Paying Annually

Paying your insurance once a year instead of in monthly installments can sometimes reduce fees and give you a small discount.