Workers Compensation Insurance
for Salons and Spas

Each state follows its own procedure, but filing a claim typically follows this process:

1. Your employee reports their work-related injury or illness to you
2. You file a claim with BBI
3. Your employee receives appropriate financial compensation, as determined by your state laws

Workers compensation insurance isn’t meant to cover self-employed workers. If you’re self-employed with no employees, you may not need this coverage, depending on where your business operates. Check your state laws for the exact requirements.

Injured workers can receive coverage for their medical bills, disability benefits, and job placement assistance. If an employee death occurs, that person’s spouse or family members may receive compensation for funeral costs or for the loss of the relationship.

Some states do not allow you to buy insurance from a private insurer (like us). These are called monopolistic states, and they are:

• Ohio
• North Dakota
• Washington
• Wyoming

If you live in one of these states, you must purchase your workers compensation insurance through your state’s monopolistic fund.

In addition to workers compensation, salon and spa owners also need:

• General liability insurance for accidents, like slip-and-falls or property damage, involving clients
• Professional liability insurance for injuries specifically caused by professional mistakes or for clients’ unmet expectations
• Tools and supplies coverage to replace movable business property in case of theft or damage
• Cyber liability insurance to cover the aftermath of costly data breaches
• Endorsements for specialized services (like cupping or microcurrent facials)

Learn more about BBI coverage details.