Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$894-$1315
Estimated Annual Premium
Monthly Average Breakdown
$88 / mo
Includes General Liability
Industry Risk Profile
Salons generally have low risk, needing coverage for slip-and-falls or minor injuries resulting from chemical treatments or cuts.
Risk Factor0.9x
Location Factors
- State Base Rate$1100
- Cambridge Multiplier1x
- State Tax Rate6.3%
Local Compliance FAQ
Is General Liability required in Cambridge?
While Massachusetts law may not mandate it for all businesses, Hair Salon & Barbers often need proof of insurance to bid on local commercial projects in Cambridge.
Why is the rate different here?
Your premium reflects Massachusetts's specific base rate of $1100 and a local city multiplier of 1x.
Compare Hair Salon & Barber Insurance in Other Massachusetts Cities
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