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Nails with Friends

Barber Nail/ Beauty Shop

Barber shops, hair or nail salons, and independent contractors can obtain obtain coverage with a $0 liability deductible with no premise limitation.

Ineligible Barber / Nail / Beauty Shops 

Please note we cannot offer coverage to the following:

  • Removal of hair by electrolysis

  • Any products sold under the applicant’s name or label

  • Student operators (even with a permit)

  • More than four tanning beds or tanning salons only

  • Not all professional operators have valid licenses

  • Located in AK, LA or WV

  • Property coverage in FL (unavailable with this product)

Available Coverage for Barber / Nail / Beauty Shops

  • General and professional liability limits up to $1,000,000 each occurrence/$2,000,000 aggregate

  • Property limits up to $3,000,000 in total insurance value or in coastal zones up to $500,000 per location (excluding wind and hail)

  • Additional excess/umbrella limits can be provided up to $5,000,000

Optional Coverage for Barber / Nail / Beauty Shops

  • Professional liability

  • Loss of income - is on actual loss sustained basis up to a stated limit

  • Non-owned and hired auto

  • Money and securities coverage

  • Signs

  • Glass

  • Equipment breakdown



Claim Example for Barber / Nail / Beauty Shops

General Liability: A patron at a nail salon was receiving a manicure. As she stood up, she fainted from the fumes causing fractures to her face. Medical costs were $150,000 after reconstructive facial surgery. A hair stylist was providing hair cutting services to her customer. As it was very busy that day, the stylist was not able to sweep up the hair before accepting the next customer. The next customer slipped and broke his wrist as he tried to catch himself. As he was a computer programmer and not able to perform his duties, medical and lost wage costs were $50,000.

Professional Liability: A patron came in to receive a pedicure. Unknown to the nail technician, the patron had a skin disease. The pedicure procedure aggravated the skin which caused an infection. The patron required $25,000 in medical costs. The hair stylist used her normal hair dying solution on a new customer. The customer ended up having a severe allergic reaction to the chemicals and was hospitalized for two days. The medical and loss wage costs were $20,000.

Property: The nail salon’s, written on special coverage form, pipe broke from the pedicure chair causing damage to the insured’s property. The cost to replace the damaged items was $5,000. A stylist did not unplug his hair dryer when he left the salon. The dryer short-circuited and caused $20,000 in damage to the salon.

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

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