Who can buy the online plans in Texas?
Licensed Texas barbers and cosmetologists who fit CoverSmart Option 1 (solo) or Option 2 (up to 3 employees). Estheticians, nail techs, and many specialty services are not sold through these two online links.
FAQ for Texas barbers and stylists
Do I need liability insurance for a Texas booth or suite?
TDLR does not generally require personal liability insurance for an individual practitioner license, but most shops and landlords require a certificate of insurance and often additional insured status before you can work.
What is CoverSmart Option 1?
Option 1 is the online plan for eligible solo barbers and stylists with no employees. It includes $1M / $2M general liability and professional liability limits as shown on this site, with additional insured available at no extra cost inside CoverSmart. Pricing starts from $193 a year.
What is CoverSmart Option 2?
Option 2 is for eligible pros with up to three employees. It includes the same $1M / $2M liability limits plus business property. CoverSmart shows the exact price when you quote online. Confirm eligibility inside CoverSmart.
Do I need a certificate for my Texas suite or booth?
Most shops ask for proof of insurance and often want to be listed as additional insured. Option 1 includes additional insured at no cost. You complete that step inside CoverSmart.
What does TDLR have to do with insurance?
TDLR licenses your practice and establishment. Insurance is separate. Keep both current. We do not speak for TDLR.
How many CE hours do Texas barbers and cosmetologists need?
For renewals on or after September 1, 2025, TDLR generally requires 4 department-approved CE hours (1 hour sanitation, 1 hour human trafficking awareness, and 2 elective hours) for licensees with fewer than 15 years. Licensees who have held a Texas license for 15 or more years generally need 2 hours (sanitation and human trafficking awareness). Confirm on tdlr.texas.gov and 16 TAC section 83.25.
What is a Texas mini-establishment?
An independently operated room or suite inside a licensed establishment may need its own mini-establishment license. TDLR publishes a $70 fee for a two-year mini-establishment license. Confirm current rules and fees on TDLR.
Does CoverSmart replace workers compensation?
No. Option 1 and Option 2 are liability products for eligible barbers and stylists. They are not workers compensation. Texas employers who do not carry workers compensation have separate DWC filing duties.
Who is Edward?
Edward is the AI assistant on this site. He can explain the barber choice and the stylist/cosmetologist choice and point you to guides. He is not a licensed agent and cannot bind coverage.
Who is Amanda Hill?
Amanda Hill is the licensed account manager at Stockton-Hill Insurance. She is a licensed cosmetologist, former salon owner for 7 years, and former Ohio State Board inspector for 14 years. She reviews the guides on this site.
Is Option 2 available everywhere in Texas?
CoverSmart Option 2 is offered for eligible Texas risks that fit the program rules, including the employee limit. Exact price and eligibility show when you start a quote.
What if I do nails, waxing, or esthetics?
Those services are usually outside the two online hair plans. Use the quote form so a person can help.