FAQ for Oregon barbers and stylists
Is an Oregon board license enough for a suite landlord?
Usually not. A suite landlord wants proof of liability coverage. Licenses come from the Oregon Health Licensing Office · Board of Cosmetology, while certificates come from insurance.
What does CoverSmart show for limits?
Eligible online hair paths show $1M / $2M, subject to underwriting and the policy forms.
Solo price starting point for Oregon?
Eligible pros with no employees doing in-scope hair services start from about $193 a year.
Small shop path?
Eligible shops with up to three employees use Option 2. CoverSmart shows the exact price when you quote online. When that path applies, $5,000 business property is included.
Specialty services in Portland?
Do not stretch a hair-only online plan to cover nails, waxing, or esthetics. Send a custom quote for those instead.
Who is Stockton-Hill Insurance on this site?
It is the agency behind Oregon Barber & Stylist Insurance. Amanda Hill follows up on submitted forms, and Edward handles basic plan questions.
Can Edward bind my policy?
No. Chat is for education only. A policy binds only after underwriting and issuance by the carrier.
Certificate holder vs additional insured?
Being a holder means you get a copy. Being an additional insured may give you endorsed rights. Follow what the lease says.
Workers compensation overlap?
They are separate. CoverSmart liability is not workers compensation. If you have employees, check your Oregon workers compensation duties with a qualified advisor.
CE source of truth?
Oregon Health Licensing Office · Board of Cosmetology: https://www.oregon.gov/oha/ph/hlo/Pages/Board-Cosmetology.aspx. Guides on this site are general guidance only.
Phone number?
Call (503) 987-0273.
Booth renter certificates?
When eligible, buy coverage in your own name. That way the host can file your certificate instead of relying only on the building policy.