Short answer: Most states do not require general or professional liability by law, but nearly all require workers’ compensation once you have a certain number of employees. Landlords, lenders, salon suite operators and venues require liability coverage by contract.

The details

When comp becomes mandatory varies — from the first employee in many states to three or four employees in others, and Texas lets most employers opt out.

See your state guide for specifics.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: salon insurance by state · workers’ comp.

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