Public and Products Liability
Public liability insurance, though not required by law, would be relevant to you regardless if your business has permanent premises or if you are out and about doing up your clients hair. Having public liability insurance means you would be covered if your client or a member of the public suffers an accidental bodily injury or damage as a consequence of your work and makes a claim against your business. A customer slipping on a wet salon floor and breaking a bone is a classic example.
Products liability can be combined with public liability. Adding products liability to your insurance would protect you against claims arising from using defective products or applying them in a negligent way which caused injury to your client (like that tins with hair dye that were incorrectly mixed and resulted in a client getting burnt in the example above).
So think twice before you dismiss public and products liability insurance as just another unnecessary business expense…The minimum level of cover available typically starts from £1 million. You can increase it if you feel you need to (to £2m, £3m, £5m or more), although your premiums are likely to rise slightly to reflect the higher liability limit.