Personal Services & Property
Class Code 9586: Barber Shop, Beauty Parlor or Hair Styling Salon — Workers' Comp Insurance
Covers barber shops, beauty parlors, and hair styling salons, including stylists, barbers, and reception staff. It's a lower-hazard personal-services classification given the light equipment and stationary nature of the work.
- Risk level:
- low
What code 9586 covers
Class 9586 applies to barber shops, beauty parlors, and hair salons, covering stylists, barbers, colorists, and front-desk staff performing typical salon services such as cutting, coloring, and styling hair. The work is generally stationary and involves light equipment — scissors, clippers, dryers, and chemical products — rather than heavy lifting or powered machinery, which keeps this classification on the lower end of the risk spectrum. Salons offering additional services such as manicures, pedicures, waxing, or esthetics are commonly included under this same classification, since those services share a similar low-physical-hazard profile. Larger day spas combining salon services with more extensive spa treatments or massage therapy may need those additional services reviewed as part of underwriting.
Included operations
- Haircutting, coloring, and styling services
- Shampooing and chemical treatment services
- Reception and appointment scheduling
- Manicure, pedicure, and light esthetics services offered at the same location
Assigned elsewhere
- Full-service day spas with extensive massage therapy or medical spa treatments, evaluated under the applicable classification
- Tattoo and body piercing studios, evaluated under the applicable classification
- Barber/beauty schools where students are trained, evaluated separately
- Retail sale of hair and beauty products as a standalone business line without services
Businesses that typically carry 9586
- Hair salons
- Barber shops
- Nail salons combined with hair services
- Small day spas focused primarily on salon services
- Independently owned service businesses
- Franchise locations
- Multi-location service operators
Common misclassifications
Code 9620
Personal-service businesses can sometimes be miscoded across similar-sounding but distinct classifications; confirming the exact services offered avoids this.
Code 9014
Salons that contract out their own cleaning sometimes confuse which business bears the janitorial classification — that belongs to the cleaning company, not the salon.
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What drives the cost of code 9586
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Specific services offered and equipment used
- Whether work is performed at the business location, in clients' homes, or off-site
- Prior claims history and current experience modification factor
- Employee training and use of protective equipment
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 9586 fits
Quote class code 9586.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 9586 questions
Does this code cover nail services at the salon?
Yes, manicure, pedicure, and light esthetics services offered at a hair salon are commonly included under this classification.
What about a full-service day spa with massage therapy?
More extensive spa treatments and massage therapy may need separate evaluation depending on the scope of services offered.
Is this a lower-cost class to insure?
It's generally a lower-hazard classification given the light equipment and stationary nature of the work, though your rate also depends on payroll, claims history, and state rates.
Does this code cover a barber school?
No, a school training students in barbering or cosmetology is typically evaluated under a different classification.
Last reviewed · Reviewed by Provident Financial Group licensed agents