Short answer: salons and spas in Washington, DC typically carry general liability, professional liability, property or a business owners policy, and workers’ comp once they hire — in Washington, DC, comp is required for employers. Older mixed-use buildings and building-owner insurance requirements are the norm. Get Multiple Quotes within minutes.

What Washington, DC salon owners should know

Older mixed-use buildings and building-owner insurance requirements are the norm. The District of Columbia requires workers’ compensation for employers with employees.

DC employers also fund the District’s Paid Family Leave program through a payroll tax.

Coverage for Washington, DC beauty businesses

• General liability in Washington, DC — premises injuries and lease requirements.
• Professional liability in Washington, DC — service injuries and reactions.
• Business owners policy in Washington, DC — liability, property and business income together.
• Property insurance in Washington, DC — equipment, inventory and build-out.
• Workers’ comp in Washington, DC — employee injuries.

Businesses we insure in Washington, DC

We quote hair salons, nail salons, barber shops, day spas, medical spas, estheticians, booth renters, lash and brow studios across the District and the rest of Washington, DC. One application goes to multiple carriers, and you receive a Live Certificate when you bind.

Frequently asked questions

Is salon insurance required in Washington, DC?

State law in Washington, DC requires workers’ compensation (required for employers). General liability is not required by statute, but most Washington leases and salon suite agreements require it.

What affects salon insurance pricing in Washington, DC?

Services, revenue, payroll, number of stations, building characteristics, limits, deductibles and claims history, along with local risks such as summer storms, flash flooding and water damage in older row-house buildings.

Do booth renters in Washington, DC need their own insurance?

Yes. Renters and suite tenants are independent businesses and need their own general and professional liability; most salons and suite operators require a certificate.

More for Washington, DC: salon insurance in Washington, DC · all cities · all states.

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.