What insurance does a nail salon business need? (2026)

Most nail salon operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for nail salon operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.

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Insurance requirements for other industries

Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.

Auto Body Shop Auto Repair Barber Shop Beauty Salon Boat Tour Bobtail Bounce House Box Truck Business Owner's Policy Car Wash Commercial Auto Commercial Construction Commercial Truck Commercial Umbrella Contractors Tools & Equipment (Inland Marine)Courier / Delivery Cyber Liability Daycare Delivery Driver Dry Cleaning Dump Truck Electrician EPLI Equine / Horse Business Fencing Contractor Finish Carpentry Fleet Flooring Contractor Florist Food Truck Freelancer Freight Broker General Liability Glass Contractor Horse Stable Hot-Shot Trucking Inflatable Rental Janitorial Landscaping Laundromat Limousine Locksmith Masonry Motor Truck Cargo Motorcycle Dealer Nursery & Tree Farm Owner-Operator (Trucking)Painter Passenger Car Rental Plumber Pool Service Professional Liability Religious Organization Remodeler Restaurant Roofing Contractor Semi-Truck Taxi & Rideshare Tow Truck Travel Agency Trucking Used Car Dealer Waste Treatment Welding Winery Workers Comp

📘 Educational, not legal advice. This page summarizes commonly-carried commercial coverages — it is NOT a legal statement of what's required in your state. Legal requirements (workers' comp thresholds, liquor liability, state-mandated minimums, motor-carrier authority requirements, etc.) vary state by state and by business specifics. For binding requirements, request a quote or consult a licensed agent in your state.

Business activities classified under NAICS 812113 — Nail Salons
Business activity
Manicure and pedicure salons
Manicurist services
Nail salons
Pedicure and manicure salons
Pedicurist services

Source: US Census Bureau, 2022 NAICS Index File

What insurance does a nail salon business need? (2026)

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Insurance requirements for other industries