Manicures, Pedicures, and Peace-of-Mind Nail Salon Protection with Utica First’s Business Owner’s Program
Small businesses are the backbone of the U.S. economy. With over 120,000 in operation nationwide and still growing, nail salons are dynamic small businesses that offer much more than basic manicures and pedicures. Many nail salons provide an expanded menu of beauty services, including gel and acrylic applications, nail art, and eyelash extensions. These salons rely on specialized equipment, chemical products, and skilled technicians who work closely with clients. As a result, their operations involve a mix of personal care, artistry, and health and safety considerations—all of which create potential exposure to liability risks. At Utica First, we recognize unique risks nail salons face—a client could slip on a wet floor, develop a reaction to a product, or claim injury from a service. Other risks salons may face include property damage and the loss or theft of equipment and tools.
Business Owner Program
Comprehensive small business insurance helps mitigate these risks through policies such as general liability, professional liability, and property coverage. By understanding the full scope of what nail salons do—and the risks inherent in their daily operations—agents and agent partners can better communicate the value of coverage, build trust with clients, and tailor solutions that protect these growing businesses. Utica First’s business owner policy (BOP) can provide peace-of-mind protection against financial losses that could be difficult for nail salons to recover from. It also provides protection for staff and customers who have come to rely on them. Our BOP goes above and beyond standard offerings. Our standard coverage and additional coverages—no additional charge—include:
The Stylizer Endorsement
Utica First’s policy goes far beyond “standard” coverages; the additional “STYLIZER” endorsement is designed specifically for the unique exposures associated with nail salons. Its signature feature is $1 million coverage for manicurist liability. Signing up for our nail salon policy is simple, and most types of nail salons are eligible. Exceptions include risks that offer day spas, tanning, microblading, or permanent makeup services.
We’re Committed to You
At Utica First, our policy is putting you first. We believe in the power of teamwork and the strength of our dedicated agents and agent partners. The Utica First team is known for our character and integrity, going above and beyond for our agents and agent partners. We are here to make your life easier and support your customers and overall success. If you have nail salon clients in the states of New York, New Jersey, Connecticut, Pennsylvania, Ohio, Maryland, Virginia, or Massachusetts, click here to learn more about our BOP and Stylizer endorsement.
