Beauty salon owners pay around $57 monthly for business insurance, with costs ranging from $13 to $116 based on coverage types and location.
Get matched with cheap beauty salon business insurance below.
Updated: November 19, 2025
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Beauty salon business insurance costs between $152 and $1,389 annually on average, varying by coverage type, state and sub-industry factors.
Your beauty salon insurance rates depend on your location, past claims experience, types of services offered and total employee count.
Shop multiple business insurers, bundle coverage options, raise deductibles and pay annually to reduce business insurance expenses.
We found average business insurance costs for beauty salon companies for commonly needed coverage:
| BOP | $99 | $1,188 |
| General Liability | $67 | $806 |
| Professional Liability (E&O) | $49 | $589 |
| Workers' Comp | $15 | $175 |
*These rates reflect 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 business factors and location.
Select your industry and state to get a customized quote.
General liability coverage for beauty salons averages $67 monthly nationwide. Maine salon owners pay the lowest rates at $58 monthly, while Louisiana costs $78.
| Alabama | $66 | $791 |
| Alaska | $62 | $749 |
| Arizona | $64 | $764 |
| Arkansas | $64 | $773 |
| California | $75 | $897 |
| Colorado | $67 | $799 |
| Connecticut | $73 | $875 |
| Delaware | $72 | $866 |
| Florida | $73 | $872 |
| Georgia | $68 | $818 |
| Hawaii | $66 | $796 |
| Idaho | $64 | $764 |
| Illinois | $74 | $884 |
| Indiana | $65 | $786 |
| Iowa | $64 | $767 |
| Kansas | $65 | $782 |
| Kentucky | $62 | $748 |
| Louisiana | $78 | $939 |
| Maine | $58 | $699 |
| Maryland | $64 | $768 |
| Massachusetts | $70 | $845 |
| Michigan | $64 | $763 |
| Minnesota | $63 | $756 |
| Mississippi | $67 | $809 |
| Missouri | $66 | $797 |
| Montana | $67 | $802 |
| Nebraska | $64 | $762 |
| Nevada | $76 | $914 |
| New Hampshire | $67 | $801 |
| New Jersey | $76 | $913 |
| New Mexico | $68 | $810 |
| New York | $78 | $937 |
| North Carolina | $58 | $699 |
| North Dakota | $58 | $701 |
| Ohio | $62 | $747 |
| Oklahoma | $65 | $785 |
| Oregon | $62 | $748 |
| Pennsylvania | $77 | $929 |
| Rhode Island | $74 | $885 |
| South Carolina | $69 | $830 |
| South Dakota | $63 | $753 |
| Tennessee | $65 | $786 |
| Texas | $68 | $812 |
| Utah | $64 | $767 |
| Vermont | $64 | $774 |
| Virginia | $61 | $734 |
| Washington | $76 | $916 |
| West Virginia | $70 | $845 |
| Wisconsin | $66 | $791 |
| Wyoming | $62 | $745 |
*Rates based on two-employee beauty salons. Your premium depends on location, revenue and claims history.
Workers' compensation insurance costs vary by state. North Carolina salons pay around $13 monthly, while New York salons pay $17.
| Alabama | $14 |
| Alaska | $13 |
| Arizona | $14 |
| Arkansas | $14 |
| California | $16 |
| Colorado | $14 |
| Connecticut | $16 |
| Delaware | $16 |
| Florida | $16 |
| Georgia | $15 |
| Hawaii | $15 |
| Idaho | $14 |
| Illinois | $16 |
| Indiana | $14 |
| Iowa | $14 |
| Kansas | $14 |
| Kentucky | $14 |
| Louisiana | $16 |
| Maine | $13 |
| Maryland | $14 |
| Massachusetts | $15 |
| Michigan | $14 |
| Minnesota | $14 |
| Mississippi | $15 |
| Missouri | $14 |
| Montana | $14 |
| Nebraska | $14 |
| Nevada | $17 |
| New Hampshire | $14 |
| New Jersey | $16 |
| New Mexico | $15 |
| New York | $17 |
| North Carolina | $13 |
| Oklahoma | $14 |
| Oregon | $14 |
| Pennsylvania | $17 |
| Rhode Island | $16 |
| South Carolina | $15 |
| South Dakota | $14 |
| Tennessee | $14 |
| Texas | $15 |
| Utah | $14 |
| Vermont | $14 |
| Virginia | $13 |
| West Virginia | $15 |
| Wisconsin | $14 |
*These workers' comp rates are for beauty salon businesses with two employees across different states.
Professional liability for beauty salons averages $49 monthly nationwide. North Carolina offers the lowest rates at $42 monthly, while New York charges $57.
| Alabama | $49 |
| Alaska | $46 |
| Arizona | $46 |
| Arkansas | $47 |
| California | $55 |
| Colorado | $48 |
| Connecticut | $53 |
| Delaware | $53 |
| Florida | $53 |
| Georgia | $49 |
| Hawaii | $51 |
| Idaho | $46 |
| Illinois | $55 |
| Indiana | $49 |
| Iowa | $47 |
| Kansas | $48 |
| Kentucky | $46 |
| Louisiana | $56 |
| Maine | $42 |
| Maryland | $46 |
| Massachusetts | $52 |
| Michigan | $47 |
| Minnesota | $46 |
| Mississippi | $48 |
| Missouri | $47 |
| Montana | $49 |
| Nebraska | $46 |
| Nevada | $55 |
| New Hampshire | $50 |
| New Jersey | $55 |
| New Mexico | $50 |
| New York | $57 |
| North Carolina | $42 |
| North Dakota | $43 |
| Ohio | $46 |
| Oklahoma | $46 |
| Oregon | $46 |
| Pennsylvania | $56 |
| Rhode Island | $54 |
| South Carolina | $51 |
| South Dakota | $46 |
| Tennessee | $48 |
| Texas | $50 |
| Utah | $47 |
| Vermont | $47 |
| Virginia | $45 |
| Washington | $56 |
| West Virginia | $52 |
| Wisconsin | $48 |
| Wyoming | $46 |
*Rates based on two-employee beauty salons. Your premium also depends on the services offered, such as chemical treatments or laser procedures.
BOP insurance for beauty salons ranges from $85 monthly in North Dakota to $116 in New York.
| Alabama | $100 |
| Alaska | $93 |
| Arizona | $91 |
| Arkansas | $94 |
| California | $111 |
| Colorado | $97 |
| Connecticut | $109 |
| Delaware | $107 |
| Florida | $108 |
| Georgia | $101 |
| Hawaii | $95 |
| Idaho | $95 |
| Illinois | $108 |
| Indiana | $95 |
| Iowa | $94 |
| Kansas | $96 |
| Kentucky | $91 |
| Louisiana | $113 |
| Maine | $86 |
| Maryland | $96 |
| Massachusetts | $106 |
| Michigan | $95 |
| Minnesota | $92 |
| Mississippi | $101 |
| Missouri | $97 |
| Montana | $99 |
| Nebraska | $92 |
| Nevada | $112 |
| New Hampshire | $99 |
| New Jersey | $115 |
| New Mexico | $100 |
| New York | $116 |
| North Carolina | $87 |
| North Dakota | $85 |
| Ohio | $91 |
| Oklahoma | $97 |
| Oregon | $94 |
| Pennsylvania | $115 |
| Rhode Island | $108 |
| South Carolina | $100 |
| South Dakota | $93 |
| Tennessee | $95 |
| Texas | $95 |
| Utah | $94 |
| Vermont | $94 |
| Virginia | $91 |
| Washington | $111 |
| West Virginia | $105 |
| Wisconsin | $97 |
| Wyoming | $93 |
*Rates based on two-employee beauty salons. Your premium depends on revenue, property value and coverage limits.
Beauty salon business insurance costs differ by provider, ranging from $42 to $87 monthly.
| Chubb | $71 | $849 |
| Coverdash | $42 | $509 |
| Hiscox | $68 | $820 |
| NEXT Insurance | $49 | $586 |
| Nationwide | $48 | $571 |
| Progressive Commercial | $87 | $1,048 |
| Simply Business | $46 | $551 |
| The Hartford | $46 | $555 |
| Thimble | $62 | $741 |
| biBERK | $64 | $774 |
Beauty salon insurance costs vary based on multiple factors insurers consider when determining your premium rates.
Where your salon operates drives insurance costs. High-rent districts and upscale neighborhoods often have clientele more likely to pursue legal action for service issues.
State regulations around cosmetology licensing and malpractice claims vary widely, creating premium disparities where identical salons in different states may pay double or half, depending on local legal environments.
Your history of incidents shapes insurer confidence and pricing. Chemical burns, allergic reactions or slip-and-fall accidents remain on your record for years, triggering ongoing rate increases.
Salons with documented client consultation procedures, patch testing protocols and zero incident histories use this clean record during policy renewals to negotiate better terms.
Staff size directly affects your insurance costs across multiple policy types. Each stylist, nail technician and receptionist adds to your workers' compensation base, with licensed professionals classified as higher risk.
Expanding beyond core hair services raises your insurance costs. Adding nail services brings ventilation concerns and chemical exposure risks. Facial treatments and skin care may require product liability coverage and potential malpractice coverage. Makeup application, bridal services and retail product sales each increase risk and affect your final premium.
Your revenue affects operational complexity and exposure. A solo stylist working from a small studio earning $50,000 has straightforward insurance needs, while a multi-location salon generating $750,000 annually faces larger premiums.
The coverage limits you establish directly affect your premium. Entry-level general liability at $500,000 per occurrence may work for modest operations, but many salon owners choose $1 million to $2 million limits for adequate protection against severe claims.
Financial reputation affects your insurance accessibility and pricing. Salon owners with strong credit profiles get premium reductions of 15% to 35% compared to those with poor credit.
Insurers see strong credit as a sign of business discipline and lower claims frequency, rewarding financially stable operators with better rates and more insurance carrier options.
Lowering your beauty salon insurance costs takes planning. With the right strategies, you can secure cheap business insurance for your salon while strengthening your risk profile.
Beauty salons need general liability for slip-and-falls, professional liability for service errors like chemical burns or botched cuts, property coverage for styling equipment and retail inventory, and workers' comp for your stylists.
Insurance costs vary based on your service menu. Hair-only salons pay less than full-service spas offering waxing, facials and nail services.
Packaging general liability, property and professional liability together saves salons 15% to 25% compared to separate policies.
Salons with excellent safety records and trained staff can save money with higher deductibles on general liability.
Annual payment eliminates monthly processing charges (5% to 8% savings).
Annual policy reviews make sure your professional liability covers all current services.
Beauty salon business insurance costs between $13 and $116 per month. Your exact premium depends on location, business size and claims history. You can reduce costs by comparing quotes from different insurers, bundling policies, raising your deductibles and choosing annual over monthly payments.
Beauty salon business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation costs just $15 monthly but only covers employee injuries. Most beauty salon businesses need general liability coverage ($67 monthly) for protection against customer accidents and property damage lawsuits.
You'll pay more in these states. General liability in California runs $75 monthly (vs. $67 national average), and BOP costs $111 monthly (vs. $99 average). New York is similar at $78 and $116.
Premiums increase due to high-crime locations, prior claims history, specialized equipment values, employee count, chemical exposure risks and credit scores.
Beauty salon workers' compensation costs vary by state, spanning from $13 monthly in North Carolina to $17 in New York, depending on location.
Yes, BOP is worth it for beauty salons. At $99 monthly, it packages general liability, commercial property and business interruption coverage together, providing better value and simplicity than purchasing separate policies.
Beauty salon owners face unique insurance challenges: one chemical burn claim or slip-and-fall can cost tens of thousands, yet most salons operate on tight margins where every hundred dollars matters. We gathered quotes from 10 insurance companies across all 50 states using identical business profiles to show exactly what you'll pay for coverage, whether you run a solo hair studio in Maine or a full-service spa in New York.
We used a standard small beauty salon setup to establish rate comparisons:
BOP coverage includes: Same liability limits plus $5,000 business property coverage for equipment and retail inventory.
Why this profile works: It represents a typical neighborhood salon with a stylist, nail technician and owner. This baseline lets you see how factors specific to your salon (more employees, higher revenue, specialized services like keratin treatments or lash extensions) affect your actual rates.
We compared four coverage types beauty salons need:
General liability ($67 monthly average): Covers customer slip-and-falls, allergic reactions and property damage. If a client's purse gets bleach-stained or they trip over electrical cords, this coverage handles claims and legal defense.
Professional liability ($49 monthly average): Protects against service errors like chemical burns, botched cuts, damaged hair or skin reactions. Even experienced stylists face these claims, especially with color services, keratin treatments or chemical peels.
Workers' compensation ($15 monthly average): Required in most states, covering employee injuries from chemical exposure, repetitive motion injuries or slip-and-falls in your salon.
Business owner's policy/BOP ($99 monthly average): Bundles general liability with property coverage for your styling chairs, dryers, retail products and equipment. Also includes business interruption coverage if you need to close for repairs after a fire or water damage.
Generic small business insurance quotes don't account for beauty industry risks: chemical exposure liability, cosmetology licensing requirements or state-specific malpractice laws. Our analysis focuses exclusively on beauty salon businesses, revealing which insurers understand your industry and price coverage fairly rather than overcharging for unfamiliar risks.
Data sources: Quotes from Chubb, Coverdash, Hiscox, NEXT Insurance, Nationwide, Progressive Commercial, Simply Business, The Hartford, Thimble and biBERK
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.
