It really doesn’t matter on either side of this, really. What matters is the Nail Salon’s INSURANCE and the value of the store. I’m guessing that it is iffy on actually getting the money...
A typical small business umbrella policy is $2mm. I’m also guessing that law suits of this type tend towards the full amount of those policies and not above them. It’s kinda like how housing prices tend to flatten around the limits of the Federal guarantees.