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All You Ever Wanted to Know About Insurance

Do You Own a Beauty or Barber Shop?

You Have Special liability – You Need Special Insurance Protection!

Every business owner would like to think that bad things only happen to other companies. But there’s a reason that insurance companies exist. And it’s not because things don’t transpire even to those who’d like to escape happenstance.

General Liability, Professional Liability, Property Risks

Insurance Claim Scenarios That Really Occurred

  • Mrs. Sanders* treated herself to a manicure at her favorite nail salon. As the procedure winded down, she began to feel the effects of the associated manicure polish and tool vapors. She managed to arise from her seat, only to fall to the floor in a faint, resulting in facial bone fractures. Mrs. Sanders’ required reconstructive surgery to her face to the unhappy tune of $150,000. 
  • Brenda* was employed at a hair salon. On a particularly demanding work day, she failed to clear away clipped hair from a previous customer before motioning the next man to the chair. This unfortunate client slipped on the shorn locks strewn upon the floor and broke his wrist. Health care costs together with lost wages as a computer programmer amounted to $50,000.
  • The fateful work day at the nail salon began like any other for Sammy*. Little did he know, however, but one of the clients that walked in for a pedicure had a skin disorder. The nail technique that Sammy used triggered a severe infection, requiring the woman to shelve out $25,000 for related doctor services. 


  • How was Sheila* to know that one hair styling customer would get a serious allergy reaction from the standard chemicals in the hair dye? The customer’s illness was so severe that she required two days of treatment in the hospital. The total medical costs and loss of wages amounted to $20,000.
  • All in a day’s work of a beauty salon? Not really. The pipe that broke on the nail salon’s pedicure-chair resulted in extensive damage to the facility. Replacement costs of damaged objects totaled $5,000.
  • Brian* worked as a hair stylist in a popular hair salon. One day, he forgot to unplug the hair dryer he had been using on clients. After everyone had left for the day, the hair dryer caused a short circuit, resulting in $20,000 in damages at the establishment.

* Not real name


PRIME Insurance Presents Nail/Beauty/Barber Shop Insurance

We know the inherent risks you face in your business. As the leading agency, voted  A++ by insurance authorities, we’ve been given rights to conduct insurance business with 43 of the top insurance companies. Insurance names like MetLife, USLI, AIG, CHUBB, UPC INSURANCE, ZURICH and ASI are but a few of the giants we deal with on your behalf. Join other nail, beauty and barber shops that have come to recognize insurance excellence – and tailored protection – through us.

Prime Insurance is a 3-generation family-run independent agency that has won the admiration of the industry. We’ve been presented with numerous awards and been appointed to conduct direct business with more than 40 of the leading companies. With over 10,000 satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate customized coverage at competitively lowest quotes.

PRIME Insurance provides all forms of nationwide coverage, including NJ cheap auto insurance, low quote commercial umbrella insurance NJ, flood insurance, NJ renters insurance, NJ homeowners insurance, NJ bonds, NJ workers comp, NJ life insuranceand more. We invite you to experience the PRIME difference by visiting us on our online insurance website; emailing us at prime [at] primeins [dot] com; or by calling us at 732-886-5751!

Summary: Beauty and barber shop owners, as well as nail salons need specific commercial insurance coverage. This is why...



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