Short answer: Lash and brow studios in Indiana typically carry general liability, professional liability, property or a business owners policy, and workers’ compensation once they have employees — in Indiana, workers’ comp is required from the first employee. Licensing runs through the Indiana State Board of Cosmetology and Barber Examiners, under the Professional Licensing Agency. Get Multiple Quotes within minutes.

What Indiana requires of lash and brow studios

Indiana requires workers’ compensation from the first employee.

Lash and brow studios in Indiana are regulated by the Indiana State Board of Cosmetology and Barber Examiners, under the Professional Licensing Agency. Keep licenses current — carriers ask about licensing, and services performed outside a license can create coverage problems.

Suburban Indianapolis growth has brought many new salon-suite buildings, where tenants and operators each need their own coverage. No state law mandates general liability, but nearly every commercial lease does.

Coverage checklist for lash and brow studios in Indiana

• 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

Most claims against lash and brow studios come from the service itself rather than the premises. Typical examples:

• 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

Indiana risks that affect your policy

Property and business income coverage in Indiana should account for severe storms, tornadoes and winter freeze. Ask how each quote handles water damage, equipment breakdown and the waiting period before business income coverage starts.

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 Indiana 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 We do not publish average premiums because they rarely match a real business — comparing several carriers on the same coverage is the reliable way to find your number.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 Indiana

We quote lash and brow studios throughout Indiana, including Indianapolis, Fort Wayne, Evansville, Carmel, South Bend and Bloomington. 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 Indiana?

State law in Indiana focuses on workers’ compensation, which is required from the first employee. 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 Indiana need workers’ compensation?

Indiana requires workers’ compensation from the first employee.

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 Indiana?

The Indiana State Board of Cosmetology and Barber Examiners, under the Professional Licensing Agency oversees licensing. Keep every license current and make sure each service is performed within the provider’s license.

More for Indiana: salon & spa insurance in Indiana · hair salon insurance in Indiana · nail salon insurance in Indiana · barber shop insurance in Indiana · esthetician insurance in Indiana.

Lash & Brow Studio insurance elsewhere: lash & brow studio insurance · Ohio · Michigan · Kentucky · 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.