Barber insurance averages $39 monthly, with costs ranging from $12 to $62 based on coverage types and your location.
Get matched with cheap barber business insurance below.
Updated: October 30, 2025
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Barber business insurance costs between $147 and $745 annually, varying by your state, coverage needs and business type.
Your barber shop's insurance rates depend on where you're located, past claims and how many employees you have.
Shop multiple business insurers, combine policies, raise your deductibles and pay yearly to lower your barber insurance costs.
We found average business insurance costs for Barber companies for commonly needed coverage are as follows:
| BOP | $54 | $645 |
| General Liability | $45 | $537 |
| Professional Liability (E&O) | $43 | $513 |
| Workers' Comp | $14 | $169 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your barber business cost for general liability coverage varies by location. Maine offers the best value at $39 monthly compared to the $45 national average, while Hawaii costs $54 monthly.
| Alabama | $44 | $524 |
| Alaska | $47 | $562 |
| Arizona | $42 | $508 |
| Arkansas | $43 | $513 |
| California | $50 | $595 |
| Colorado | $44 | $530 |
| Connecticut | $48 | $580 |
| Delaware | $48 | $574 |
| Florida | $48 | $578 |
| Georgia | $45 | $543 |
| Hawaii | $54 | $653 |
| Idaho | $42 | $507 |
| Illinois | $49 | $586 |
| Indiana | $43 | $521 |
| Iowa | $42 | $509 |
| Kansas | $43 | $519 |
| Kentucky | $42 | $498 |
| Louisiana | $54 | $648 |
| Maine | $39 | $463 |
| Maryland | $42 | $510 |
| Massachusetts | $47 | $560 |
| Michigan | $42 | $506 |
| Minnesota | $42 | $501 |
| Mississippi | $45 | $537 |
| Missouri | $44 | $529 |
| Montana | $44 | $532 |
| Nebraska | $42 | $506 |
| Nevada | $51 | $608 |
| New Hampshire | $44 | $531 |
| New Jersey | $50 | $605 |
| New Mexico | $45 | $537 |
| New York | $52 | $618 |
| North Carolina | $39 | $463 |
| North Dakota | $39 | $464 |
| Ohio | $41 | $496 |
| Oklahoma | $44 | $526 |
| Oregon | $41 | $496 |
| Pennsylvania | $51 | $614 |
| Rhode Island | $49 | $587 |
| South Carolina | $46 | $550 |
| South Dakota | $42 | $500 |
| Tennessee | $43 | $521 |
| Texas | $45 | $539 |
| Utah | $43 | $511 |
| Vermont | $43 | $513 |
| Virginia | $41 | $487 |
| Washington | $51 | $607 |
| West Virginia | $47 | $560 |
| Wisconsin | $44 | $525 |
| Wyoming | $41 | $494 |
Note: We based these general liability rates on barber businesses with two employees across different states. Your rates will vary based on your location, services, claims history and number of employees.
The cost of workers' compensation insurance for barber businesses differs across states. North Carolina charges $12 monthly, while New York costs $16 monthly. Our analysis shows state regulations and claim histories drive these pricing differences.
| Alabama | $14 |
| Alaska | $13 |
| Arizona | $13 |
| Arkansas | $13 |
| California | $16 |
| Colorado | $14 |
| Connecticut | $15 |
| Delaware | $15 |
| Florida | $15 |
| Georgia | $14 |
| Hawaii | $15 |
| Idaho | $13 |
| Illinois | $15 |
| Indiana | $14 |
| Iowa | $13 |
| Kansas | $14 |
| Kentucky | $13 |
| Louisiana | $16 |
| Maine | $12 |
| Maryland | $13 |
| Massachusetts | $15 |
| Michigan | $13 |
| Minnesota | $13 |
| Mississippi | $14 |
| Missouri | $14 |
| Montana | $14 |
| Nebraska | $13 |
| Nevada | $16 |
| New Hampshire | $14 |
| New Jersey | $16 |
| New Mexico | $14 |
| New York | $16 |
| North Carolina | $12 |
| Oklahoma | $13 |
| Oregon | $13 |
| Pennsylvania | $16 |
| Rhode Island | $15 |
| South Carolina | $14 |
| South Dakota | $13 |
| Tennessee | $14 |
| Texas | $14 |
| Utah | $13 |
| Vermont | $14 |
| Virginia | $13 |
| West Virginia | $15 |
| Wisconsin | $14 |
Note: We based these workers' comp rates on barber businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Professional liability costs vary across states. Nationwide, errors and omissions coverage averages $43 monthly. North Dakota offers the most affordable rates, at $37 monthly, while New York commands the highest premiums, at $50 monthly.
| Alabama | $42 |
| Alaska | $39 |
| Arizona | $40 |
| Arkansas | $40 |
| California | $47 |
| Colorado | $43 |
| Connecticut | $47 |
| Delaware | $45 |
| Florida | $47 |
| Georgia | $44 |
| Hawaii | $45 |
| Idaho | $40 |
| Illinois | $48 |
| Indiana | $42 |
| Iowa | $41 |
| Kansas | $41 |
| Kentucky | $40 |
| Louisiana | $47 |
| Maine | $37 |
| Maryland | $41 |
| Massachusetts | $44 |
| Michigan | $40 |
| Minnesota | $40 |
| Mississippi | $43 |
| Missouri | $42 |
| Montana | $43 |
| Nebraska | $40 |
| Nevada | $49 |
| New Hampshire | $42 |
| New Jersey | $49 |
| New Mexico | $43 |
| New York | $50 |
| North Carolina | $37 |
| North Dakota | $37 |
| Ohio | $40 |
| Oklahoma | $40 |
| Oregon | $40 |
| Pennsylvania | $50 |
| Rhode Island | $47 |
| South Carolina | $44 |
| South Dakota | $40 |
| Tennessee | $41 |
| Texas | $43 |
| Utah | $41 |
| Vermont | $41 |
| Virginia | $40 |
| Washington | $49 |
| West Virginia | $44 |
| Wisconsin | $43 |
| Wyoming | $39 |
Note: We based these professional liability rates on barber businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Barber business insurance costs vary based on your state, with BOP insurance cost ranging from $47 in North Carolina to $62 in Washington for the same coverage.
This $15 monthly difference means North Carolina barbers pay $181 less annually than those in Washington state. Louisiana follows Washington closely at $62 monthly, while Maine offers the second-lowest rates at $47.
| Alabama | $53 |
| Alaska | $51 |
| Arizona | $51 |
| Arkansas | $51 |
| California | $61 |
| Colorado | $54 |
| Connecticut | $58 |
| Delaware | $56 |
| Florida | $57 |
| Georgia | $56 |
| Hawaii | $58 |
| Idaho | $51 |
| Illinois | $58 |
| Indiana | $53 |
| Iowa | $52 |
| Kansas | $51 |
| Kentucky | $52 |
| Louisiana | $62 |
| Maine | $47 |
| Maryland | $50 |
| Massachusetts | $57 |
| Michigan | $51 |
| Minnesota | $50 |
| Mississippi | $53 |
| Missouri | $53 |
| Montana | $54 |
| Nebraska | $51 |
| Nevada | $61 |
| New Hampshire | $53 |
| New Jersey | $61 |
| New Mexico | $53 |
| New York | $61 |
| North Carolina | $47 |
| North Dakota | $48 |
| Ohio | $50 |
| Oklahoma | $51 |
| Oregon | $50 |
| Pennsylvania | $61 |
| Rhode Island | $58 |
| South Carolina | $56 |
| South Dakota | $49 |
| Tennessee | $52 |
| Texas | $54 |
| Utah | $50 |
| Vermont | $52 |
| Virginia | $49 |
| Washington | $62 |
| West Virginia | $55 |
| Wisconsin | $53 |
| Wyoming | $50 |
Note: We based these BOP rates on barber businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Barber business insurance costs vary by provider, ranging from $27 to $62 monthly. These price differences stem from each insurer's specific market focus and coverage strategies, which shift based on profitability and expansion opportunities within targeted business segments.
| Chubb | $43 | $519 |
| Coverdash | $40 | $477 |
| Hiscox | $40 | $479 |
| NEXT Insurance | $27 | $324 |
| Nationwide | $33 | $396 |
| Progressive Commercial | $37 | $445 |
| Simply Business | $31 | $376 |
| The Hartford | $31 | $366 |
| Thimble | $49 | $588 |
| biBERK | $62 | $747 |
Your barber business insurance cost depends on several factors insurers evaluate when pricing your policy:
Where you set up shop impacts your insurance costs. Barbershops in urban centers with higher foot traffic pay more due to increased liability exposure, while rural locations often see lower rates. State regulations and local lawsuit trends also play a major role in determining your final premium.
Your track record matters to insurers. Even one incident involving a customer injury or property damage can raise your rates for years to come. Maintaining a clean claims history demonstrates lower risk and helps you secure more affordable general liability rates from insurance providers.
Your workforce size directly correlates with insurance expenses. Each additional barber on your team increases workers' compensation costs, calculated as a percentage of your total payroll. Independent barbers working alone pay less than multi-chair establishments with full staff.
The range of services your barbershop provides directly influences insurance costs. Traditional haircuts carry less risk than services like straight razor shaves, beard dyeing or scalp treatments. Shops that also retail grooming products face additional product liability considerations that increase premiums.
Annual revenue serves as a key rating factor for insurers. A single-chair operation generating $60,000 yearly will pay substantially less than a busy barbershop pulling in $400,000. Higher revenue suggests more customer interactions and greater potential for claims, resulting in elevated insurance costs.
The amount of protection you purchase affects your monthly outlay. While $500,000 in general liability coverage might suit a small shop, busier establishments often need $1million to $2 million to adequately protect against major claims. Each step up in coverage limits adds to your annual insurance investment.
Insurance companies frequently review credit profiles when setting rates. Barbers with strong credit scores can see premiums reduced by 15% to 40% compared to those with poor credit. Your financial track record serves as an indicator of overall business stability and risk management capability.
Reducing your barber business insurance cost requires strategic shopping and our step-by-step guide to smart business practices. Here's how you can find the best cheap business insurance for your barber business and build a better risk profile over time.
Understanding the types of coverage your barber shop actually needs prevents paying for unnecessary policies.
For barber businesses, we recommend general liability, workers comp, professional liability, tools and equipment insurance, commercial auto insurance and surety bonds for comprehensive protection that meets personal and regulatory requirements.
Rates vary dramatically between barber business insurers for identical coverage. Getting quotes from at least three companies often reveals substantial savings, and independent agents can handle the comparison shopping for you.
Most insurers discount bundled policies substantially for barber shops. Combining general liability, commercial property and workers compensation with one carrier costs less than buying separate policies from different companies.
Higher deductibles lower your monthly premiums since you pay more out-of-pocket before insurance coverage begins. This strategy works well for barber shop owners who can handle smaller repair costs themselves.
Many insurers charge processing fees for monthly payments that can add to your total cost. Paying upfront eliminates these fees and sometimes earns additional discounts for barber business policies.
Barber shop insurance needs change as you add employees or expand services. Check your policy each year to drop coverage you've outgrown and adjust limits that no longer match your business size and operations.
Barber business insurance costs range from $12 to $62 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Barber business owners commonly ask about insurance costs. We answered the most frequent questions below:
Professional liability coverage is the cheapest at $43 monthly, but it only covers errors and omissions. Most barber businesses need general liability coverage ($45 monthly) since it protects against customer injuries and property damage lawsuits.
You'll pay more in these states. General liability in California runs $50 monthly (versus $45 national average), and BOP costs $61 monthly (versus $54 average). New York is similar at $52 and $61, respectively.
Premium increases stem from multiple risk factors: past insurance claims, high-crime business locations, extensive staff size, specialized equipment value, poor credit history and additional services beyond basic cuts.
Workers' compensation costs for barber businesses vary by state, spanning from $12 monthly in North Carolina to $16 monthly in New York for coverage.
Yes, BOP insurance is worth it for barber companies. At $54 monthly, BOP combines general liability, commercial property and business interruption coverage. This bundled approach costs less than purchasing individual policies separately while offering greater convenience.
We collected barber business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small barber business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the barber industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
