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Find insurance for hair salons in Texas
Learn about business insurance requirements and the most common policies for hair stylists and salon owners in Texas.
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What are the most common policies for Texas hair salons?
Hair stylists may need different types of insurance depending on the services they offer. These are the most popular beauty salon insurance policies in Texas, which protect against financial losses from accidents and lawsuits.
General liability insurance
General liability coverage handles basic hair salon risks, such as spilling dye on a customer’s expensive clothing. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- Customer bodily injury
- Customer property damage
- Product liability insurance
Business owner’s policy
A BOP bundles general liability insurance and commercial property insurance at a discount. This is often one of the most cost-effective salon insurance policies.
BEST FOR
- Slip-and-fall accidents
- Business property damage
- Business interruption coverage
Professional liability insurance
This policy covers lawsuits related to your professional services, such as dissatisfaction over a client's hair dye or styling. This policy is also called errors and omissions insurance (E&O).
BEST FOR
- Lawsuits from dissatisfied customers
- Harm caused by a treatment
- Mistakes, such as using the wrong dye
Workers’ compensation insurance
Workers' comp is optional for salons in Texas. However, it provides crucial protection against costly workplace injuries. Including legal fees that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for hair salons that handle credit card numbers and other personal information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a hair salon. Texas requires this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Legal expenses from auto accidents
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
Which policies are required for hair salons and stylists in Texas?
Whether you're in Austin, Dallas, Houston, San Antonio, or elsewhere in the state, hair salons in Texas often must carry the following types of insurance coverage to comply with laws:
Workers' compensation insurance
Texas state law is different than other states when it comes to workers' compensation coverage as it is not required for hair and beauty salons with employees. Although, employers without this coverage must notify the state and their employees.
Even when workers’ compensation insurance is not required, it’s often in the employer’s best interest to provide coverage. Workers' comp covers medical bills for work-related injuries and occupational diseases, and is also recommended for sole proprietors, as health insurance can deny claims for injuries related to your job.
Workers' comp provides disability benefits to offset lost wages for Texas workers who are disabled or recovering from a job-related injury, such as if you slip and break an arm in your salon. Policies usually include employer's liability insurance, which covers legal costs if an employee sues their employer over an injury.
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Commercial auto insurance
State law requires commercial auto insurance for any vehicle owned by a business, including hair stylists and salon businesses. This policy covers property damage and medical costs resulting from an accident. It can help pay for vehicle theft, weather damage, and vandalism, depending on the coverage options you choose.
All Texas vehicles must have the following car insurance, at a minimum:
- $30,000 in bodily injury liability or death liability per person
- $60,000 in bodily injury liability or death liability per accident
- $25,000 in property damage per accident
If you or your hair stylists drive their personal vehicles for salon work, you'll need a different policy. Because personal auto insurance won't cover work-related driving, you'll need hired and non-owned auto insurance (HNOA) in this situation, or if you rent or lease a vehicle used for business. You can often add this coverage to your general liability policy as an endorsement.
Do I need a hair salon or stylist license in Texas?
In Texas, anyone who provides cosmetology or barbering services—such as hair cutting, coloring, styling, or chemical treatments—must hold a valid license from the Texas Department of Licensing and Regulation (TDLR) under its Barbering & Cosmetology program.
Depending on your role, this could be a Cosmetology Operator, Class A Barber, Esthetician, Manicurist, Eyelash Extension Specialist, Hair Weaving Specialist, or similar license. Each license requires completing a TDLR-approved training program and passing both written and practical exams.
For example, to obtain a Cosmetology Operator license you must complete 1,000 hours of instruction and pass a written exam followed by a practical exam. Working without the required license can lead to fines or other disciplinary action under Texas law.
If you plan to operate a salon or barbershop, you’ll also need an Establishment License issued by the TDLR. The establishment license is required even if you don’t personally perform services. These licenses are tied to a specific location and are required to be renewed (typically every two years) via TDLR.
Unlicensed owners may manage the business side, but they cannot provide services unless they hold the appropriate practitioner license themselves.
Home-based salons must also obtain an establishment license and meet state requirements such as a separate public entrance, a dedicated business space (not used for living and sleeping), compliance with safety and sanitation, and TDLR inspection eligibility.
Beyond licensing, owners should make sure their business is properly registered, secure any required tax or seller’s permits if they sell products, comply with employment and labor regulations, and maintain health and safety standards set by TDLR.
What do hair salons in Texas pay for insurance?
Hair salons in Texas that buy policies from Insureon pay an average of:
General liability: $41 per month
Business owner's policy: $78 per month
Workers' compensation: $48 per month
Factors that affect hair salon insurance costs during underwriting include:
- Services offered, such as haircuts, hair color, and waxing
- Value of business property
- Business income and size
- Location
- Types of business insurance purchased
- Policy limits, deductibles, and exclusions
- Add-ons, such as additional insureds
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How do I get Texas hair salon and stylist insurance?
Insureon’s industry-leading technology helps hair salons in Texas save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Texas and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior liability claims
- Commercial lease insurance requirements
Apply for free insurance quotes today to find cheap salon and beauty insurance that fits your business needs. Most small business owners receive a certificate of insurance for proof of insurance the same day.