Short answer: Lash and brow studios in Michigan typically carry general liability, professional liability, property or a business owners policy, and workers’ compensation once they have employees — in Michigan, workers’ comp is required at three or more employees, or one full-time employee for 13+ weeks. Licensing runs through the Michigan Board of Cosmetology and Board of Barber Examiners, under the Department of Licensing and Regulatory Affairs (LARA). Get Multiple Quotes within minutes.

What Michigan requires of lash and brow studios

Michigan requires workers’ compensation for employers who regularly employ three or more people, or one or more who work 35 or more hours a week for 13 weeks or longer.

Lash and brow studios in Michigan are regulated by the Michigan Board of Cosmetology and Board of Barber Examiners, under the Department of Licensing and Regulatory Affairs (LARA). Keep licenses current — carriers ask about licensing, and services performed outside a license can create coverage problems.

Frozen-pipe water damage is one of the most common property losses for Michigan storefronts, so water damage coverage and deductibles deserve a close look. No state law mandates general liability, but nearly every commercial lease does.

Coverage checklist for lash and brow studios in Michigan

• 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

Michigan risks that affect your policy

Property and business income coverage in Michigan should account for winter storms, ice, frozen pipes and spring flooding. 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 Michigan 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 Michigan

We quote lash and brow studios throughout Michigan, including Detroit, Grand Rapids, Ann Arbor, Lansing, Troy and Kalamazoo. 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 Michigan?

State law in Michigan focuses on workers’ compensation, which is required at three or more employees, or one full-time employee for 13+ weeks. 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 Michigan need workers’ compensation?

Michigan requires workers’ compensation for employers who regularly employ three or more people, or one or more who work 35 or more hours a week for 13 weeks or longer.

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 Michigan?

The Michigan Board of Cosmetology and Board of Barber Examiners, under the Department of Licensing and Regulatory Affairs (LARA) oversees licensing. Keep every license current and make sure each service is performed within the provider’s license.

More for Michigan: salon & spa insurance in Michigan · hair salon insurance in Michigan · nail salon insurance in Michigan · day spa insurance in Michigan · booth renter insurance in Michigan.

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