Solo stylist
$193 / year
- $1M per loss / $2M per term general and professional liability
- Add your salon or shop as additional insured at no cost
- Optional equipment coverage up to $50,000
- Optional data security ($50K / $50K)
Texas · stylist
Cosmetologist & stylist insurance in Texas
For licensed Texas stylists who need a policy in their own name — and a certificate for the shop owner or suite landlord.
Home-based stylist
from $233 / year
- For work from your own home with up to 3 employees
- $5,000 business property included (higher limits available)
- $1,750 business income and equipment breakdown included
- Professional liability included within $1M/$2M GL limits for specific services
What liability insurance covers for a Texas stylist
Direct answer: It helps pay covered claims if a client is injured or alleges a professional mistake tied to your hair services, subject to the policy wording. It does not replace a salon owner's policy, workers' compensation, or auto coverage.
- Slip-and-fall style injuries in your work area
- Alleged errors in cuts, color, or other covered hair services
- Proof of insurance your shop can file
Need barber coverage instead? See barber insurance in Texas.
Texas licensing context
TDLR requires an individual practitioner license to perform barbering or cosmetology, and an establishment license for the shop. If you rent space inside a licensed establishment, your individual license generally covers booth rental; an enclosed suite operated independently may need a mini-establishment license. Keep licenses current — inspectors check them first.