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Florida Workers' Compensation Insurance for Hair Salons

Name: Workers' Compensation Insurance for Hair Salons in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for Barbershops, Beauty Salons, and Hair Styling Businesses

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Why do Hair Salons in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Running a hair salon in Florida offers unique opportunities with year-round warm weather and steady demand. However, it also comes with risks like repetitive motion injuries, chemical burns, and slip-and-fall accidents.

Workers' compensation insurance protects your team and business by covering medical expenses and lost wages if an employee is hurt, keeping you compliant with Florida regulations.

Common Hair Salon injuries

Repetitive Strain: From constant cutting and styling.
Chemical Burns: Caused by dyes and salon products.
Slips and Falls: Due to wet floors or hair clippings.
Cuts: From sharp tools like scissors and razors.
Fume Exposure: From aerosols and strong chemicals.

Workers' Comp for Hair Salons in Florida: Legal Requirements

In Florida, hair salons with four or more employees are required by law to carry workers' compensation insurance. This includes full-time, part-time, and seasonal staff, such as hairstylists and nail technicians.

Failure to comply with this requirement can result in severe penalties, including stop-work orders and fines. Learn more about Florida Workers’ Compensation Rules here.

Common types of Hair Salon workers we can insure in Florida

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 Salon workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Hair Salon Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Hair Salons in Florida cost per month?

The average cost of workers' compensation insurance for hair salons in Florida is approximately $0.47 per $100 of payroll. This translates to about $17 per month per employee, but rates can vary depending on factors like the size of your payroll, the services you offer, and your claims history.

For a detailed breakdown of costs specific to your hair salon, read: Workers’ Comp Rates for Hair Salons 2025.

What's the cost based on?

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

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 Florida Hair Salon

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.

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Hair Salon business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 in Florida

Are tips included in workers’ compensation calculations?

Tips given by customers are not included in workers’ compensation calculations. However, tips provided by the employer are considered part of wages and are included under the policy.

I offer mobile beauty services. Would that be covered under a hair salon policy?

Yes, mobile beauty services can be covered under a hair salon’s workers’ comp policy. However, you must inform your underwriter that your business includes mobile services to ensure proper coverage.

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Learn more about Hair Salon Insurance

Workers Comp Code for Hair Salons and Beauticians: A Guide

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 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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