Beauty Salon Insurance | Workers' Compensation


We've developed the best insurance programs for salons spas, and massage parlors.
Get Better Quotes

Prefer to speak with A Workers' Compensation Specialist?


Give us a call today at 888-611-7467

Workers' Comp Coverage for Beauty and Nail Salons

We've been helping salon, spas and massage parlors find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed salon insurance programs designed to help you get the best quotes and most flexible payment options.

We partner with the best carriers writing salon and spa coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Salon Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for hair salons and beauty parlors.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on barbers, hairstylists and day spas.

The Hartford

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for salon and spa staff.

Travelers Insurance

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as loss control resources for salon and workers' comp classification codes.

Employers Insurance

Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.

Chubb

Chubb quotes all lines of business and has terrific rates for bail salons, beauticians, medical spas, and more.

Chubb Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has excellent commercial package and BOP pricing for hair and nail salons as well as day spas.

State Auto Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of salon businesses.

Great American Insurance Group

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the salon class of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
Shop coverage like a Pro.

Salon Insurance Quotes

Workers' Compensation Codes Related to Salons and Spas

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 9586 | Beauty Salons

Beauty salons and spas vary significantly in the range of service and products offered. Class code 9586 is a broad classification. It applies to most personal grooming services for men and women. Salon and spa services can apply treatment to all parts of the body. Services typically include beauty parlors, hair stylists, barber shops, tanning salons, nail salons, day spas, tattoo parlors, massage parlors and make-over spas.

A typical hair salon requires very little underwriting. Spas that engage in massage, tattoos, piercings and permanent make-up receive more underwriting scrutiny due the the potential risks related to these services. A good narrative about owners experience and business practices will often help with underwriting and reduce the cost of coverage.

When massage service and tanning beds are operated as separate businesses, or they are offered as part of a health club or gym, they may fall under class code 9263- Fitness Centers. This depends on the business circumstances.

Alternative State Class Codes for Salons and Spas:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
977 | Beauty Salons and Spas Delaware / Pennsylvania
8018 | Beauty Supply Store NCCI
8044 | Spa and Hot Tub Dealers NCCI

Related: hair salon, barber shop, beauty parlor, hair stylist, day spa, nail salon, permanent make-up, therapeutic spa, bathhouse, massage therapy, tanning salon, tattoo parlor, tattoo studio, yoga studio.

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Hair Stylist Liability Insurance

A lot of small salon businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of salon or spa. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing salons and spas since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Salon Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Lower Your Salon Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for hair beauty salons and day spas:

  Salon Workers' Comp and Employers Liability

  Hair Stylist Liability Insurance
  Professional Liability Insurance

  Commercial and Personal Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.


Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Salon Insurance Cost?

The average rate our customers pay for workers' compensation under the salon class code is around $0.49 cents per $100 of payroll. The average cost for a general liability insurance policy is about $375.00. Professional liability insurance is typically included on our Business Owner policies designed to protect salon and spa owners.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of services offered can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates are based on gross sales (rated per $1000)
  • Gross revenue will affect premium
  • The type chemicals used matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by industry
There's good service.
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
Feefo Gold standard award for exceptional customer service.

How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

Ready to Start Your Quote?

Don't settle for cookie-cutter rates

Have an Agent Contact Me
  • Secure
  • Fast
  • Easy

*Required

Talk With a Work Comp Specialist
  • Free Consultation
  • No Obligation

1-888-611-7467


Start Your Quote Online Now
  • Shop Like a Pro

Start a Quote
Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

Copyright 2020 Workers Compensation Shop.com. All rights reserved.
California DBA: I-Shop Online Insurance Agency.
Top rated insurance agency- BBB. Pay for workers comp insurance with a credit card. Workers Compensation Shop on Facebook. Workers Compensation Shop on LinkedIn. Workers Compensation Shop on Twitter.