Workers Comp Insurance for Barbershops in Georgia: Requirements and Average Costs

Georgia requires employers with 3 or more employees to carry workers comp insurance. Georgia barbershops with 3 or more employees must carry workers comp coverage. Workers comp in Georgia is regulated by the Georgia State Board of Workers Compensation (SBWC). Georgia workers comp costs are near the national average.

Quick Answer

Estimated workers comp premiums for Georgia barbershops:

Barbershop Type	Estimated Annual Workers Comp Premium
Small barbershop (1 to 2 employees)	Not required (below threshold)
Barbershop at 3-employee threshold	$850 to $2,100 per year
Mid-size barbershop (4 to 8 employees)	$1,900 to $4,800 per year

Georgia barbershop workers comp premiums are near the national average.

What Workers Comp Covers for Georgia Barbershops

Medical Benefits

Covers medical treatment, hospitalization, and rehabilitation costs for employees injured on the job.

Lost Wage Benefits

Covers a portion of wages for employees unable to work due to a work-related injury or illness.

Permanent Disability Benefits

Covers employees with permanent partial or total disability resulting from a work-related injury.

Death Benefits

Covers funeral expenses and survivor benefits if a work-related injury results in death.

Georgia-Specific Considerations

Georgia 3-Employee Threshold

Georgia requires workers comp when a business reaches 3 or more employees. Barbershops with 1 to 2 employees are not required to carry workers comp, though it is recommended. Once the threshold is reached, all employees must be covered.

Georgia State Board of Workers Compensation

Workers comp in Georgia is regulated by the SBWC. Disputes are adjudicated by SBWC Administrative Law Judges.

NCCI Class Code 9586

Georgia barbershops are classified under NCCI class code 9586 (Barber or Beauty Parlor). All non-exempt barber and staff payroll is rated under this code.

Booth Rental Barbers

Georgia barbers renting booth space as independent contractors are generally not covered under the shop owner's workers comp policy. Confirm worker classification status with your carrier.

Frequently Asked Questions

Does Georgia require workers comp for barbershops?

Georgia requires workers comp when a barbershop reaches 3 or more employees.

What class code applies to Georgia barbershop workers comp?

Class code 9586 (Barber or Beauty Parlor) is the standard NCCI code for barbershop employees in Georgia.

Does workers comp cover booth rental barbers in Georgia?

Not automatically. Independent contractor booth renters are generally not covered under the shop owner's workers comp policy.

How much does workers comp cost for Georgia barbershops?

Georgia barbershops at the 3-employee threshold typically pay $850 to $2,100 per year, depending on payroll, claims history, and carrier.

What is the penalty for not carrying workers comp in Georgia?

Georgia SBWC can penalize employers who fail to carry required workers comp coverage. Civil penalties and potential criminal charges apply.

Disclaimer

This article is for informational purposes only and does not constitute insurance or legal advice. Coverage details and costs vary by carrier and individual circumstances. Consult a licensed insurance agent for guidance specific to your situation.

Sources

• Georgia State Board of Workers Compensation
• National Council on Compensation Insurance
• Insurance Information Institute
• Professional Beauty Association