Killeen, TX
Barbershop insurance in Killeen, Texas
County barbershop data, chair rental notes, and what insurers ask Killeen barbers. A quote is not a binder.
Barbers in Killeen (pop. about 160,616) work in a county with 4 barber shops with paid staff as of 2023, according to County Business Patterns. Chair renters and owner-barbers without payroll do not show up in that number.
Counting barber chairs near Killeen
| 2023 employer establishments | Bell County | Texas |
|---|---|---|
| Barber shops | 4 | 605 |
| Employees at barber shops | 29 | 3,693 |
| Beauty salons | 69 | 5,740 |
| All hair, nail, and skin care | 109 | 8,226 |
| Barber and cosmetology schools | 4 | 222 |
| Men's clothing stores | 5 | 476 |
County Business Patterns 2023 (NAICS 812111, 812112, 81211, 611511, 448110). Shops with payroll only.
In Bell County, beauty salons outnumber barber shops 69 to 4. Barbershops compete on walk-ins, speed, and regulars rather than long appointments.
Related businesses in Bell County: 4 barber and cosmetology schools and 5 men's clothing stores. Shops that partner with schools for apprentices or with retailers for events should check that their policy covers that work.
The Killeen customer base
Killeen has 65,793.0 homes, 51% of them rented. Dense, renter-heavy neighborhoods feed walk-in traffic, while suburbs lean toward regulars on a two- or three-week cycle.
Single-family houses are 65% of Killeen's housing (Texas: 67%). Family neighborhoods bring kids' cuts and weekend rushes, so a clear floor and a safe waiting area matter.
About 8% of employed Killeen residents work from home, less than the 14% state share. That changes when the shop is busiest, not whether people need a cut.
Commute data for Killeen: 78% drive alone, 17% travel 45 minutes or more. Early-morning and evening chairs fill first; mobile barbers who drive to clients should check their auto coverage for business use.
City data: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter, plus B08303 and B25044. Population: U.S. Census Bureau Vintage 2024 city population estimates.
Barber shops in Bell County reported 29 employees and about $1,365,000 in annual payroll in 2023, roughly $47,069 per employee (state: $34,923). Payroll is the starting point for workers' comp pricing, and tips are generally excluded from it.
Cash and card handling at the chair is a real exposure for Killeen shops. Crime coverage and a simple end-of-day cash routine go a long way. For equipment, see shop property and equipment.
Insurance notes for Killeen barbershops
Landlords in Killeen almost always want general liability with themselves as additional insured. Read the lease clause before signing.
Texas had about 2,580 wage-earning barbers in May 2025 (BLS), plus many more renting chairs or running their own shops.
Paperwork every Killeen shop should have
- Write the insurance each chair renter must carry, with limits and the shop as additional insured, into the rental agreement.
- Have a policy for redoing cuts so a complaint has somewhere to go besides a claim.
- Require renters to keep their barber license current and displayed.
- Log clipper and comb disinfection daily, station by station.
When a claim does come in, the shop with records is in a much better position than the shop relying on memory.
Killeen next to other Texas cities
Houston's homes are 58% renter-occupied. San Antonio's homes are 48% renter-occupied. By renter share, Killeen ranks 8th of 30 Texas cities on this site.
What insurers ask Killeen barbers
- Off-site work
- Chairs
- Values for chairs, tools, and build-out
- Services
- How many and whether they carry coverage
- Any prior claims
Start a Killeen barbershop quote
Killeen barbers ask
What insurance does a Killeen barbershop need?
Shop liability, service liability, property, and workers' comp for employee barbers.
How many barber shops operate near Killeen?
County Business Patterns counted 4 barber shops with employees in Bell County in 2023. Chair renters are not included.
Do Killeen chair renters need their own insurance?
Typically not. See the chair rental agreement guide.
Barbershop guides near Killeen
Barbershop insurance in Texas · Coverage
Last updated October 15, 2026 · How we research