Beauty Salon & Spa workers compensation in New Jersey
Beauty Salon & Spa businesses in New Jersey pay a median rate of $0.530 per $100 of payroll, ranging from $0.530 to $0.530. The national median for Beauty Salon & Spa is $0.260, so New Jersey sits 104% above the national average. 1 unique NCCI class codes are filed in this state for Beauty Salon & Spa occupations. Verified 2026-05-09.
Top Beauty Salon & Spa class codes in New Jersey
The class codes most likely to apply to a Beauty Salon & Spa operation in New Jersey, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 9586 | Barber, beauty parlor, hair stylist | $0.530 | HIGH |
New Jersey compliance for Beauty Salon & Spa employers
Coverage threshold
All employers with one or more employees must provide workers' compensation insurance.
1099 vs W-2 in Beauty Salon & Spa
New Jersey uses a strict 'ABC test' to determine if a worker is an independent contractor or an employee.
Owner exclusion
Allowed in New Jersey. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,159 at 70% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in New Jersey.
Audit window
New Jersey carriers audit payroll within 90 days of policy expiration. Keep Beauty Salon & Spa payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full New Jersey workers comp overview · Beauty Salon & Spa cross-state rate comparison · New Jersey workers comp lawyer guide · New Jersey settlement chart
Estimate your Beauty Salon & Spa premium in New Jersey
Pre-filled to Beauty Salon & Spa and New Jersey. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Beauty Salon & Spa in New Jersey
$2,650to$2,650
Median: $2,650 · Rate range $0.530 to $0.530 per $100 payroll
Industry median across all states
$1,300
Cheapest states for Beauty Salon & Spa
- Virginia $0.151
- Kentucky $0.160
- Utah $0.160
Most expensive
- California $1.19
- New Jersey $0.530
- Hawaii $0.460
Estimate based on 22 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Beauty Salon & Spa businesses in New Jersey
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Step 1, Confirm coverage threshold
All employers with one or more employees must provide workers' compensation insurance. For Beauty Salon & Spa operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Beauty Salon & Spa businesses typically use codes like 9586. The wrong code can cost 4 to 10x more or get reclassified at audit. In New Jersey, the cheapest code on this list is 9586 at $0.530 and the most expensive is 9586 at $0.530.
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Step 3, Get a quote
Private carriers write Beauty Salon & Spa coverage in New Jersey. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are liable for the workers' compensation benefits of employees of an uninsured subcontractor. Beauty Salon & Spa operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Beauty Salon & Spa class allocation can shift if any worker spends more than 50% of time on a different code.
Beauty Salon & Spa workers comp FAQs in New Jersey
What is the typical workers comp rate for Beauty Salon & Spa in New Jersey?
Beauty Salon & Spa employers in New Jersey pay a median rate of $0.530 per $100 of payroll, with rates ranging from $0.530 to $0.530 depending on the specific class code. The national median across all states for Beauty Salon & Spa is $0.260, so New Jersey sits about 104% above the national average.
How many Beauty Salon & Spa class codes are filed in New Jersey?
New Jersey has 1 unique NCCI class codes filed for Beauty Salon & Spa occupations, drawn from 1 state-class code rate cells in our dataset. The most common codes include 9586 (Barber, beauty parlor, hair stylist).
Are Beauty Salon & Spa 1099 contractors covered by workers comp in New Jersey?
New Jersey uses a strict 'ABC test' to determine if a worker is an independent contractor or an employee.
What is the maximum weekly benefit for an injured Beauty Salon & Spa worker in New Jersey?
New Jersey caps weekly workers comp benefits at $1,159 (effective 2025-01-01), calculated as 70% of the average weekly wage. Beauty Salon & Spa workers are subject to the same statutory cap as workers in any other industry.
How long does a Beauty Salon & Spa worker have to file a comp claim in New Jersey?
The statute of limitations in New Jersey is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Beauty Salon & Spa workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Beauty Salon & Spa business owner exclude themselves from comp coverage in New Jersey?
Yes, New Jersey allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Beauty Salon & Spa owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.