Do I need Business Personal Property insurance for my nail salon?

Explore the value of business personal property (BPP) insurance for nail salons and discover other essential coverages to protect your business.

Aditya Raghunath - Writer for NEXT Insurance
By Aditya Raghunath
Michelle Meyer - Editor for NEXT Insurance
Edited by Michelle Meyer
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Published June 4, 2023.

Business personal property (BPP) insurance can be a safety net for your salon's tangible assets, including equipment, furniture and inventory. Protecting your salon's valuable assets isn't just a smart business move but also a crucial step in ensuring your salon's longevity and success.

Understanding Business Personal Property insurance for nail salons

BPP is particularly relevant for nail salons, where the potential loss of specialized equipment or high-end nail products can significantly impact your operations and bottom line.

BPP insurance can cover repairing or replacing different aspects of your nail salon:

  • Equipment: This includes valuable, expensive pieces of equipment like nail drills, UV lamps, pedicure chairs and airbrush machines.
  • Supplies: Your nail salon likely carries a substantial inventory of nail polish, gels and other products.
  • Furniture: This can be comfortable chairs, stylish tables and other furnishings that enhance your salon's ambiance.
  • Improvements: If you've made improvements to your rented salon space, such as installing custom cabinetry or advanced lighting systems.

What other insurance policies does my nail salon need?

In addition to BPP, you may also need the following insurance types for your nail salon:

  • General liability insurance This covers third-party bodily injury and property damage claims. If a customer slips and falls in your nail salon, general liability insurance can cover medical expenses and any resulting lawsuits.
  • Professional liability insurance Also known as errors and omissions insurance, it covers claims of negligence or mistakes in providing professional services. If a customer alleges they got a fungal infection due to unsterilized tools at your nail salon, professional liability insurance can cover legal defense costs and damages.
  • Workers' compensation This covers medical expenses and a portion of lost wages if an employee gets injured or sick while working. Workers' compensation insurance can cover their medical bills and time off work if a nail technician develops respiratory problems from inhaling fumes from nail products.
  • Commercial property insurance If your salon owns the building it operates in, commercial property insurance can cover damage to the building itself from perils like fire, theft or certain natural disasters.


BPP only covers the contents within your salon space, not the building itself. Consider a business owner's policy to complement your BPP. It combines the protection of general liability insurance and commercial property insurance, making it an affordable option.

Insurance designed to protect your nail salon

BPP can help safeguard your nail salon's equipment, inventory, furniture and improvements against potential losses. Plus, depending on your needs, you can consider additional policies to flesh out your nail technician insurance.

NEXT offers affordable, tailored small business insurance. Simply answer a few questions online to fill us in on the situation, then we'll generate a custom quote within minutes. Once you've purchased your insurance, you can immediately access your certificate of insurance and share it with necessary parties via the NEXT app.

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