How much does Hair Salon & Barber insurance cost in Fargo, North Dakota?

The estimated annual cost for a Hair Salon & Barber in Fargo with one employee is between $650 and $956. The state base rate is $810.

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

In North Dakota, businesses are subject to a 5.0% insurance tax. Hair Salon & Barbers typically need General Liability due to a risk factor of 0.9.

Hair Salon & Barber Insurance Cost in Fargo, North Dakota (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$650-$956

Estimated Annual Premium

Monthly Average Breakdown

$64 / 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$810
Fargo Multiplier1x
State Tax Rate5.0%

Local Compliance FAQ

Is General Liability required in Fargo?

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

Why is the rate different here?

Your premium reflects North Dakota's specific base rate of $810 and a local city multiplier of 1x.

Compare Hair Salon & Barber Insurance in Other North Dakota Cities

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