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

Ohio requires all employers to carry workers comp insurance through the Ohio Bureau of Workers Compensation (BWC). Ohio is a monopoly state - barbershops cannot purchase workers comp from private insurance carriers. All Ohio barbershops with employees must register with and purchase coverage from the Ohio BWC. Ohio BWC premiums are set by the BWC based on employer payroll, industry classification, and experience rating.

Quick Answer

Estimated workers comp premiums for Ohio barbershops:

Barbershop Type	Estimated Annual Workers Comp Premium
Solo barber (no employees)	Not required
Small barbershop (1 to 3 employees)	$900 to $2,300 per year
Mid-size barbershop (4 to 8 employees)	$2,100 to $5,300 per year

Ohio barbershop workers comp premiums are near the national average.

What Workers Comp Covers for Ohio 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.

Ohio-Specific Considerations

Ohio BWC Monopoly System

Ohio is a state fund monopoly state. Ohio barbershops cannot purchase workers comp from private insurers. All coverage must be obtained through the Ohio BWC. Ohio self-insurance is available to qualifying large employers, but most small barbershops will use the BWC.

Ohio BWC Registration

Ohio barbershops must register with the Ohio BWC before hiring their first employee. Failure to register and pay premiums is a misdemeanor.

Ohio BWC DWRF

Ohio BWC calculates premiums based on payroll, the Manual Classification, and an experience modifier. Ohio uses its own manual classifications rather than NCCI codes. Barbershops fall under Manual Classification 9586 (Barber and Beauty Parlors).

Booth Rental Barbers

Ohio barbers renting booth space as independent contractors are generally not covered under the shop owner's BWC account. Confirm worker classification status with the Ohio BWC.

Ohio BWC Group Ratings

Ohio employers can reduce BWC premiums by joining a BWC-approved group rating program. Group rating programs are operated by associations and employers' organizations. Many barbershop trade groups participate in group rating programs.

Frequently Asked Questions

Does Ohio require workers comp for barbershops?

Yes. Ohio requires workers comp from the first employee through the state BWC monopoly system.

Can an Ohio barbershop buy workers comp from a private insurer?

No. Ohio is a monopoly state. All workers comp must be purchased from the Ohio BWC.

What Ohio BWC classification applies to barbershops?

Ohio Manual Classification 9586 (Barber and Beauty Parlors) applies to barbershop employees.

Does workers comp cover booth rental barbers in Ohio?

Not automatically. Independent contractor booth renters are generally not covered under the shop owner's BWC account.

How much does workers comp cost for Ohio barbershops?

Small Ohio barbershops with 1 to 3 employees typically pay $900 to $2,300 per year through the Ohio BWC, depending on payroll and experience.

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

• Ohio Bureau of Workers Compensation
• Insurance Information Institute
• Professional Beauty Association
• Ohio State Cosmetology and Barber Board