Insurance for hair salons in Texas

Learn about business insurance requirements and the most common policies for beauty salons and cosmetologists in Texas.

Which policies are required for hair salons and stylists in Texas?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by beauty salons and hairstylists in Texas, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

Texas law requires commercial auto insurance for all vehicles used for business purposes. Beauty salons in Texas might also choose to provide workers’ compensation insurance for their employees. Workers' comp covers medical bills and lost wages for work-related injuries.

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What are the most common policies for hair salons in Texas?

The most common policies for beauty salons and hairstylists in Texas vary depending on revenue, client contracts, partnerships, and other factors.

General liability insurance

General liability insurance is the foundation of a hair salon’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

Business owner's policy (BOP)

Beauty salons in Houston, Dallas, and elsewhere in Texas often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.

Professional liability insurance

Professional liability insurance protects beauticians and hairdressers from lawsuits brought by dissatisfied customers. This policy, also called errors and omissions insurance, can help cover legal expenses if a customer sues over an unsatisfactory haircut or a negative reaction to a beauty product.

Workers' compensation insurance

Unlike most other states, Texas doesn’t require that hair salons with employees carry workers' compensation coverage. Nevertheless, this coverage is an excellent way to cover medical bills and lost wages if you or one of your employees has a work-related injury.

Cyber insurance

Cyber insurance covers the cost of data breaches and cyberattacks. Salons that store credit card numbers, email addresses, and other customer information should carry this coverage. It's also called cyber liability insurance or cybersecurity insurance.

Commercial auto insurance

Commercial auto insurance covers the costs of accidents involving a vehicle owned by your salon. It can help pay for legal defense costs, property damage, and injuries from an accident, along with vehicle theft and vandalism.

What do hair salons in Texas pay for insurance?

According to an analysis of Insureon applications, the typical beauty salon in Texas can expect to pay more than the national median for some types of business insurance and less than the national median for other types.

For example, the median annual cost of a business insurance policy for a hair salon in the state is $991, slightly more than the national median of $975. On the other hand, the median annual premium for workers’ compensation insurance is $1,192, significantly less than the national median of $1,641.

Median insurance costs for hair and beauty salons in Texas.

Save time and money with Insureon

Insureon’s industry-leading technology helps beauty salons and hairstylists 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 claims
Commercial lease insurance requirements

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Updated: August 24, 2023

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