Beauty Salon
Workers Compensation Insurance
The greatest insurance plans for massage therapists, salons, and spas are ones we've created.
Workers Comp Coverage for Beauty and Nail Salons
For more than 15 years, we have assisted salons, spas, and massage parlors in locating simple and reasonably priced insurance. Our professionals are skilled at negotiating the best coverage prices and are aware of the underwriting specifications set forth by the insurance providers. For this reason, we have created salon insurance plans that will enable you to obtain the most affordable rates and flexible payment schedules.
We collaborate with top insurers providing coverage for salons and spas.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top Salon Insurance Companies
Markel FirstComp
Accident Fund
Cimarron Insurance
Benchmark Insurance
Normandy Insurance
ICW Group
UBIC Insurance
PIE Insurance
Synergy Coverage Solutions
Workers Compensation Codes Related to Salons and Spas
Classification codes are used to organize employees according to their work functions and job requirements. Currently, insurance companies and brokers can use roughly 800 class codes provided by the National Council on Compensation Insurance (NCCI) to classify personnel for rating reasons. To start pricing a policy, insurance firms establish a base manual rate for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Small firms may lose thousands of dollars due to incorrectly classified workers. After an annual audit, you might find that you are overpaying for coverage or that your debt has increased.
Class Code 9586 | Beauty Salons
The services and products that beauty salons and spas provide differ greatly. The 9586 class code is a general classification. It covers the majority of men’s and women’s personal grooming services. All body areas can receive therapy from salon and spa services. Beauty salons, hair salons, barbershops, tanning salons, nail salons, day spas, tattoo parlors, massage parlors, and make-over spas are common examples of services offered.
The underwriting requirements for a typical hair parlor are minimal. Because of the possible dangers associated with massage, tattoos, piercings, and permanent makeup, spas that offer these services are subject to additional underwriting scrutiny. A compelling story about the owner’s background and business operations will frequently facilitate underwriting and lower the cost of insurance.
Massage services and tanning beds may come under class code 9263—Fitness Centers—if they are provided as standalone enterprises or as a component of a gym or health club. Depending on the specifics of the business.
Alternative State Class Codes for Salons and Spas:
States occasionally stray from the NCCI-recommended industrial class code. For some business segments, they might demand the use of a state-specific class code in place of the NCCI code.
| Class Code | State |
|---|---|
| 977 | Beauty Salons and Spas | Delaware / Pennsylvania |
| 8018 | Beauty Supply Store | NCCI |
| 8044 | Spa and Hot Tub Dealers | NCCI |
Related: States occasionally stray from the NCCI-recommended industrial class code. For some business segments, they might demand the use of a state-specific class code in place of the NCCI code.
Workers Compensation is a national Agency, licensed throughout the United States.
Get the Best Hair Stylist Liability Insurance
Because their agent does not have access to the most affordable insurance carriers, many small salon businesses are overpaying for insurance coverage. Installment agreements based on predicted payroll that don’t change when payroll varies are used by other business owners. We assist our clients in locating the most affordable insurance plans for every distinct state and kind of spa or salon. Your company’s cash flow will be enhanced by our Pay As You Go payment options. We assist new entrepreneurs and businesses with higher EMR ratings. Since 2005, we have been penning salon and spa articles.
Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp – $0 Deposit
Guaranteed Cost and Deductible Options
National Nursing Home Expertise
More Markets for More Solutions . We shop renewals too
Commercial Package Insurance Options
What Does Workers Comp Cover?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness 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.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using 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
For small enterprises, the cost of business insurance has been rising. The primary drivers of the cost increase in coverage have been workers compensation and general liability insurance. In order to offer our clients business insurance options that are more reasonably priced, we have teamed with our insurance providers. Find out more about our day spa and hair salon insurance packages:
- Salon Workers Comp and Employers Liability
- Hair Stylist Liability Insurance
- Professional Liability Insurance
- Commercial and Personal Property
- Umbrella Liability and more
Not every class code or every line of insurance coverage will be offered in every state. For information on our general liability and workers’ compensation insurance programs,get in touch with one of our workers’ compensation specialists.
How Much Does Salon Insurance Cost?
Under the salon class code, our clients typically pay an average of $0.49 cents for workers compensation for every $100 of payroll. A general liability insurance coverage typically costs $375.00. Our policies for Business operators, which are intended to safeguard salon and spa operators, usually contain professional liability insurance.
Workers Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type facility can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of skills matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
How To Get Workers Comp
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
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers’ compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers’ compensation quote request right now. You’ll be happy that you did.
Workers Compensation Info
- What is Workers Compensation?
- Workers Compensation Class Codes
- Experience Modification Rates
- How Much Does Workers Comp Cost?
- Workers Compensation by State
Workers Comp Programs
- Best Selling Workers Comp Programs
- Pay As You Go Insurance
- Self Monthly Workers Comp Reporting
- The Hartford Workers Compensation
- Multi-State Workers Comp Coverage
Employer Resources
- Workers Compensation Rates
- Rules for Workers Comp
- Frequently Asked Questions
- Find a Workers Comp Form
- Get Workers Compensation Quotes
Customer Service
- Certificate of Insurance
- Make a Payment
- Report a Claim
- Workers Compensation Insurance Audits
- Staff Directory
National Broker Services
- Insurance Agents
- Payroll Service Companies