How much does Hair Salon & Barber insurance cost in Duluth, Minnesota?

The estimated annual cost for a Hair Salon & Barber in Duluth with one employee is between $752 and $1106. The state base rate is $920.

What insurance is required for a Hair Salon & Barber in Minnesota?

In Minnesota, businesses are subject to a 6.9% insurance tax. Hair Salon & Barbers typically need General Liability due to a risk factor of 0.9.

Hair Salon & Barber Insurance Cost in Duluth, Minnesota (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$752-$1106

Estimated Annual Premium

Monthly Average Breakdown

$74 / 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$920
Duluth Multiplier1x
State Tax Rate6.9%

Local Compliance FAQ

Is General Liability required in Duluth?

While Minnesota law may not mandate it for all businesses, Hair Salon & Barbers often need proof of insurance to bid on local commercial projects in Duluth.

Why is the rate different here?

Your premium reflects Minnesota's specific base rate of $920 and a local city multiplier of 1x.

Compare Hair Salon & Barber Insurance in Other Minnesota Cities

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How much does Hair Salon & Barber Insurance cost in Duluth?