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Find insurance for hair salons in Ohio
Learn about business insurance requirements and the most common policies for hair stylists and salon owners in Ohio.
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What are the most common policies for Ohio hair salons?
Hair stylists may need different types of insurance depending on the services they offer. These are the most popular insurance policies for Ohio hair styling businesses and beauticians, which protect against financial losses from accidents and lawsuits.
General liability insurance
General liability coverage handles basic hair salon risks, such as spilling dye on a customer’s expensive clothing. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- Customer bodily injury
- Customer property damage
- Product liability insurance
Business owner’s policy
A BOP bundles general liability insurance and commercial property insurance at a discount. This is often one of the most cost-effective salon insurance policies.
BEST FOR
- Slip-and-fall accidents
- Business property damage
- Business interruption coverage
Professional liability insurance
This policy covers lawsuits related to your professional services, such as dissatisfaction over a client's hair dye or styling. This policy is also called errors and omissions insurance (E&O).
BEST FOR
- Lawsuits from dissatisfied customers
- Harm caused by a treatment
- Mistakes, such as using the wrong dye
Workers’ compensation insurance
Ohio requires workers' comp for salons that have employees. It also protects sole proprietors from work injury medical costs and legal fees that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for salon businesses that handle credit card numbers and other personal info.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a hair salon. Ohio requires this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
Which policies are required for hair salons and stylists in Ohio?
Whether you're in Columbus, Cincinnati, Cleveland, Dayton, or elsewhere in the state, hair salons in Ohio often must carry the following types of beauty salon insurance coverage to comply with laws:
Workers' compensation insurance
Ohio state law requires hair and beauty salons with employees to provide workers’ compensation insurance, which covers medical bills for work-related injuries and occupational diseases. This policy is also recommended for sole proprietors, as health insurance can deny claims for injuries related to your job.
However, the state of Ohio workers’ compensation system is different from most other states. Ohio uses what's called a monopolistic state fund, meaning workers’ compensation insurance can only be purchased through a government-operated fund, not a private insurer.
Workers' comp provides disability benefits to offset lost wages for Ohio workers who are disabled or recovering from a job-related injury, such as if you slip and break an arm in your salon. Policies usually include employer's liability insurance, which covers legal expenses if an employee sues their employer over an injury.
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Commercial auto insurance
State law requires commercial auto insurance for any vehicle owned by a business, including hair stylists and salons. This policy covers property damage and medical bills resulting from an accident. It can help pay for vehicle theft, weather damage, and vandalism, depending on the coverage options you choose.
All Ohio vehicles must have the following car insurance, at a minimum:
- $25,000 per person bodily injury liability
- $50,000 per accident bodily injury liability
- $25,000 per accident property damage liability
If you or your hair stylists drive personal vehicles for salon work, you'll need a different policy. Because personal auto insurance won't cover work-related driving, you'll need hired and non-owned auto insurance (HNOA) in this situation, or if you rent or lease a vehicle used for business. You can often add this coverage to your general liability policy as an endorsement.
Do I need a hair salon or stylist license in Ohio?
In Ohio, anyone who provides cosmetology, barbering, or related services—such as hair cutting, coloring, styling, natural hair services, or chemical treatments—must hold a valid license from the Ohio State Cosmetology and Barber Board. Depending on the services you perform, that could mean a cosmetologist, hairstylist, esthetician, manicurist, natural hair stylist, or barber license.
Each license generally requires completing a board-approved training program and passing the applicable licensing exam before you can serve customers. Working without the appropriate license can lead to fines, disciplinary action, or other penalties under Chapter 4713.
If you plan to operate a salon or barber shop in Ohio, you must obtain the appropriate establishment license from the Board. Establishment licenses are issued to specific locations, so a new license or registration is required if you move locations or change ownership.
The Board regulates salon standards, and to obtain a residential or commercial salon/barbershop license, you must provide the required documentation, such as a floor plan drawn to scale, as well as meet the Board’s facility requirements.
Home-based salons aren't exempt from Board regulation. You must still apply for a residential salon or barbershop license and comply with the Board’s facility and safety rules.
That typically means meeting layout and sanitation requirements (for example, a separate, clearly labeled workspace and adherence to the Board’s infection-control rules), as well as making sure local zoning or building codes allow home-based salon activity.
Beyond licensing, owners should make sure their business is properly registered, secure any required seller’s permits if they sell products, comply with employment regulations, and maintain health and safety standards.
What do hair salons in Ohio pay for insurance?
Hair salons in Ohio that buy policies from Insureon pay an average of:
General liability: $29 per month
Business owner's policy: $82 per month
Professional liability: $42 per month
Factors that affect hair salon insurance costs during underwriting include:
- Services offered, such as haircuts, hair color, and waxing
- Value of business property
- Business income and size
- Location
- Types of business insurance purchased
- Policy limits, deductibles, and exclusions
- Add-ons, such as additional insureds
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How do I get Ohio hair salon and stylist insurance?
Insureon’s industry-leading technology helps hair salons in Ohio save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Ohio and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior liability claims
- Commercial lease insurance requirements
Apply for free insurance quotes today to find cheap hairstylist insurance that fits your business needs. Most small business owners receive a certificate of insurance (COI) for proof of insurance the same day.