Barber & Beauty Shops — what the code covers, how it rates, and how to make sure you’re not overpaying.
Workers Comp Class Code 9586
Janitorial Services — what it covers, what it costs, and where businesses get it wrong.
NCCI class code 9586 covers hair salons, barbershops, nail salons, day spas, and manicure/pedicure services — stylists, barbers, nail techs, estheticians, and shampoo assistants all typically land here. Because your class code sets your rate per $100 of payroll, getting it right is the difference between a fair premium and quietly overpaying every payroll cycle. Get multiple quotes within minutes and we’ll verify the classification while we’re at it.
How class code 9586 rates
9586 is one of the lowest-rated classes in the entire NCCI system — salon work is low-frequency, low-severity from a comp perspective, so premiums per $100 of payroll sit near the bottom of the scale in most states. Your actual rate depends on your state, your carrier, and your experience mod — which is why the same payroll can price very differently across markets.
Common misclassifications
The classic mistakes: putting a receptionist who never touches clients under 9586 instead of clerical 8810 (which usually rates even lower), sweeping booth renters onto the salon’s policy when they’re independent businesses, and misclassifying med-spa procedures that belong in a medical class. Each error moves premium the wrong direction — or leaves a coverage hole.
Getting quotes for barber & beauty shops
Carrier appetite for 9586 varies — some markets love this class and price it aggressively. We shop multiple carriers, check the classification against your actual operations, and flag payroll that qualifies for lower-rated companion classes. Own a salon or spa? Our sister site covers the full insurance picture at SalonSpaInsure.com, and see our workers’ comp for salons & spas guide.
Frequently asked questions
Do booth renters go on the salon’s workers’ comp policy?
Generally no — booth renters are independent contractors running their own businesses, not employees. Misclassifying them either inflates the salon’s premium or creates audit disputes; renters carry their own coverage.
Does my experience mod affect my 9586 rate?
Yes — the class code sets the base rate; your experience mod multiplies it. See our guide to experience mods for how claims history moves your premium.
Think you might be misclassified — or just overpaying? Get multiple quotes within minutes and we’ll review your class codes carrier by carrier.