Short answer: Lash and brow studios in Florida typically carry general liability, professional liability, property or a business owners policy, and workers’ compensation once they have employees — in Florida, workers’ comp is required with four or more employees (non-construction). Licensing runs through the Florida Board of Cosmetology (barbers are licensed by the Florida Barbers’ Board), both under the Department of Business and Professional Regulation. Get Multiple Quotes within minutes.

What Florida requires of lash and brow studios

Florida requires workers’ compensation for non-construction businesses with four or more employees, including part-time staff.

Lash and brow studios in Florida are regulated by the Florida Board of Cosmetology (barbers are licensed by the Florida Barbers’ Board), both under the Department of Business and Professional Regulation. Underwriters ask about licenses and training, so make sure every service you offer is within the license of the person performing it.

Flood is excluded from standard commercial property forms, so Florida salons in flood zones usually need a separate flood policy. No state law mandates general liability, but nearly every commercial lease does.

Coverage checklist for lash and brow studios in Florida

• Professional liability — lash, brow and pigment services, including microblading where eligible.
• General liability — premises injuries and property damage.
• Property or a business owners policy — beds, lighting and supplies.
• Workers’ compensation — artists on payroll.
• Cyber liability — online booking and client records.

Claims lash and brow studios actually face

These are the situations that turn into claims for lash and brow studios — and the reason professional liability matters as much as general liability:

• An eye injury or reaction to lash adhesive
• A tint or lamination reaction
• An infection or pigment complaint after microblading
• A client slipping in the studio

Florida risks that affect your policy

Property and business income coverage in Florida should account for hurricanes, windstorm and flood, which drive property pricing and named-storm deductibles. Compare property deductibles, any separate wind or hail deductible, and whether equipment breakdown is included.

What carriers look at

• Microblading or permanent makeup services
• Adhesive and patch-test practices
• Artist training and licensing
• Employees versus renters

Pricing for lash and brow studios in Florida depends mostly on services offered (especially microblading), number of artists, revenue and claims history, along with location, limits, deductibles and claims history. We do not publish average premiums because they rarely match a real business — comparing several carriers on the same coverage is the reliable way to find your number. See our cost guide for the rating factors.

Where we help lash and brow studios in Florida

We quote lash and brow studios throughout Florida, including Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale and St. Petersburg. One application goes to multiple carriers, and when you bind you receive a Live Certificate — a link that always shows your current coverage for your landlord, salon or venue.

Frequently asked questions

Is insurance required for lash and brow studios in Florida?

State law in Florida focuses on workers’ compensation, which is required with four or more employees (non-construction). General liability is not required by statute, but leases, salons, suite operators and venues almost always require it, and professional liability protects you against service claims.

Do lash and brow studios in Florida need workers’ compensation?

Florida requires workers’ compensation for non-construction businesses with four or more employees, including part-time staff.

Is microblading covered by lash studio insurance?

Microblading and other pigment services are often excluded or require a specific endorsement. Confirm it is listed on your policy before offering it.

Who licenses lash and brow studios in Florida?

The Florida Board of Cosmetology (barbers are licensed by the Florida Barbers’ Board), both under the Department of Business and Professional Regulation oversees licensing. Keep every license current and make sure each service is performed within the provider’s license.

More for Florida: salon & spa insurance in Florida · hair salon insurance in Florida · nail salon insurance in Florida · day spa insurance in Florida · barber shop insurance in Florida.

Lash & Brow Studio insurance elsewhere: lash & brow studio insurance · Georgia · salon insurance comparisons.

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.