Beauty Salon & Spa workers compensation in Rhode Island
Beauty Salon & Spa businesses in Rhode Island pay a median rate of $0.340 per $100 of payroll, ranging from $0.340 to $0.340. The national median for Beauty Salon & Spa is $0.260, so Rhode Island sits 31% 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 Rhode Island
The class codes most likely to apply to a Beauty Salon & Spa operation in Rhode Island, 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 | $0.340 | HIGH |
Rhode Island compliance for Beauty Salon & Spa employers
Coverage threshold
Mandatory for employers with one or more employees.
1099 vs W-2 in Beauty Salon & Spa
Beginning on January 1, 2024, independent contractors are required to file an annual registration for the duration of their relationship with each entity.
Owner exclusion
Allowed in Rhode Island. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,622 at 62% of average weekly wage, effective 2025-10-01.
Statute of limitations
2 years from injury date in Rhode Island.
Audit window
Rhode Island 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 Rhode Island workers comp overview · Beauty Salon & Spa cross-state rate comparison · Rhode Island workers comp lawyer guide · Rhode Island settlement chart
Estimate your Beauty Salon & Spa premium in Rhode Island
Pre-filled to Beauty Salon & Spa and Rhode Island. 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 Rhode Island
$1,700to$1,700
Median: $1,700 · Rate range $0.340 to $0.340 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 Rhode Island
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Step 1, Confirm coverage threshold
Mandatory for employers with one or more employees. 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 Rhode Island, the cheapest code on this list is 9586 at $0.340 and the most expensive is 9586 at $0.340.
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Step 3, Get a quote
Beacon Mutual Insurance Company is one option in Rhode Island; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are typically liable for the workers' compensation coverage of their uninsured subcontractors and their employees. 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 Rhode Island
What is the typical workers comp rate for Beauty Salon & Spa in Rhode Island?
Beauty Salon & Spa employers in Rhode Island pay a median rate of $0.340 per $100 of payroll, with rates ranging from $0.340 to $0.340 depending on the specific class code. The national median across all states for Beauty Salon & Spa is $0.260, so Rhode Island sits about 31% above the national average.
How many Beauty Salon & Spa class codes are filed in Rhode Island?
Rhode Island 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 Rhode Island?
Beginning on January 1, 2024, independent contractors are required to file an annual registration for the duration of their relationship with each entity.
What is the maximum weekly benefit for an injured Beauty Salon & Spa worker in Rhode Island?
Rhode Island caps weekly workers comp benefits at $1,622 (effective 2025-10-01), calculated as 62% 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 Rhode Island?
The statute of limitations in Rhode Island 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 Rhode Island?
Yes, Rhode Island 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.