Workers' Comp for Beauty Parlors and Spas
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Why do beauty parlors and spas need workers' comp insurance?
Beauty and spa professionals—including estheticians, masseurs, nail technicians, hairstylists, and more—may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for beauty work-related injuries.
Not only is workers’ comp coverage legally required for almost all beauty parlor and spa businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk.
The most common injuries experienced by beauty and spa employees are:
– Slips, trips, and falls
– Electric shock and arc flash/arc blast
– Repetitive motion injuries
Learn more about how workers’ compensation insurance can help protect beauty parlor and spa employees.
More than three-quarters of small businesses overpay for workers' comp coverage.
What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for beauty and spa workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the beauty parlor worker is killed in a work-related incident.
In addition to helping beauty parlor and spa employees and their families, workers’ compensation insurance can also help protect business owners. Workers’ compensation helps protect beauty businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a beautician is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, beauty and spa injuries must:
have happened to a parlor employee (not a vendor or independent contractor),
be the result of a parlor workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your beauty business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.
There are many different workers’ comp class codes within the beauty and spa industry. Below is one of the most common class codes in the industry.