Workers' Compensation Insurance for Hair Salons

Policies for Barbershops, Beauty Salons, and Hair Styling Businesses

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Why do Hair Salons need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Hair salons involve a variety of skilled labor, from hairstyling to chemical treatments and nail services. Whether you're running a beauty parlor, barbershop, or tanning salon, the industry relies heavily on hands-on services and customer interaction.

With repetitive motions, exposure to chemicals, and a fast-paced environment, accidents are bound to happen. Workers' compensation insurance protects your team from injuries and keeps your business compliant with state laws.

Common Hair Salon injuries

Repetitive strain injuries: From repeated motions like cutting, blow-drying, or nail polishing.
Chemical burns: Caused by hair dyes, bleaches, and other salon chemicals.
Slip-and-fall accidents: Due to wet floors, spilled products, or loose cords.
Puncture wounds and cuts: From scissors, razors, or sharp tools.
Overexposure to fumes: From aerosols, cleaning agents, or chemical treatments.

Common types of Hair Salon workers we can insure

Hair Salons and Barbershops

Makeup Studios

Nail Salons

Tanning Salons

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Hair Salons workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Hair Salon Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Hair Salons cost?

Workers' compensation insurance for hair salon employees costs approximately $0.52 per $100 of payroll, which equals about $19 per month per employee, plus taxes and fees.

For a detailed breakdown of costs for your salon, read: Workers’ Comp Cost for Hair Salons 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Hair Salons

Here are the main categories for classifying injuries in the hair salon industry. For more details, visit our guide: Workers’ Comp Class Codes for Hair Salons.

9586 - Barber Shop, Beauty Parlor, or Hair Styling Salon‍

9586 - Tattooing Parlor‍

9586 - Nail Salons‍

9586 - Saunas and Public Baths‍

9586 - Sun Tanning Salons

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing hair salon workers' compensation insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Hair Salon Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Hair Salon Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Hair Salons

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Do part-time workers need to be included in my workers’ comp policy?

Yes, part-time workers must be covered under your policy, even if they’re paid in cash. Workers’ comp laws apply to all employees, regardless of their hours worked.

My salon offers Botox and other surgical treatments. Would I still be covered under a salon workers' comp policy?

If your salon provides medical-grade treatments like Botox or dermal fillers, it may fall under medical classifications such as 8832, which are specific to medical spas.

State laws on Workers' Comp for Hair Salons

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Hair Salons?

Yes, we can help with that too!

Learn more about Hair Salon Insurance

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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