Pexels Photo 853427

Salon & Spa Insurance by State

State-by-state guides for salons, spas, barber shops, estheticians and booth renters in every state where our agency is licensed.

Get Multiple Quotes within minutes

Short answer: the coverage a salon needs is similar everywhere — general liability, professional liability, property or a BOP, and workers’ comp once you have employees — but the rules around it change by state: who licenses salons, when workers’ comp becomes mandatory, whether comp must be bought from a state fund, and what extra employer coverages apply (New York, for example, adds disability benefits and Paid Family Leave). Choose your state below for the details, then get multiple quotes within minutes.

What changes from state to state

  • The licensing board for cosmetology, barbering and esthetics.
  • When workers’ compensation is required, and whether it is bought privately or from a state fund (Ohio is monopolistic).
  • Additional employer mandates, such as New York DBL and Paid Family Leave.
  • Local lease norms and landlord insurance requirements.
  • Carrier availability — not every carrier writes every state.

Northeast

Mid-Atlantic

Southeast

Midwest

South & West

Not listed? We can only quote salons in states where our agency is licensed. For coverage questions that apply everywhere, see our salon insurance comparisons and coverage guides.

Ready to compare? One application, multiple carriers, and a live certificate of insurance when you bind. Get Multiple Quotes within minutes or call (866) 964-6660.

More guides: salon insurance by city · coverage by state · questions answered · insurance glossary · cosmetologist insurance.

Scroll to Top