How much does Hair Salon & Barber insurance cost in Hilo, Hawaii?

The estimated annual cost for a Hair Salon & Barber in Hilo with one employee is between $796 and $1170. The state base rate is $1000.

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

In Hawaii, businesses are subject to a 4.0% insurance tax. Hair Salon & Barbers typically need General Liability due to a risk factor of 0.9.

Hair Salon & Barber Insurance Cost in Hilo, Hawaii (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$796-$1170

Estimated Annual Premium

Monthly Average Breakdown

$78 / 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$1000
Hilo Multiplier1x
State Tax Rate4.0%

Local Compliance FAQ

Is General Liability required in Hilo?

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

Why is the rate different here?

Your premium reflects Hawaii's specific base rate of $1000 and a local city multiplier of 1x.

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