Business insurance for hairdressers

Without the right hairdressing insurance, a slip up in the salon could quickly turn into more than just a bad hair day.

So as a stylist, what should you look for in a hairdressing insurance policy? Whether you work at home, at a studio or independently, find out all you need to know here.

Without the right hairdressing insurance, a slip up in the salon could quickly turn into more than just a bad hair day.

So as a stylist, what should you look for in a hairdressing insurance policy? Whether you work at home, at a studio or independently, find out all you need to know here.

Emily Kindness
Business insurance expert
3
minute read
Do you know someone who could benefit from this article?
Posted 5 NOVEMBER 2021

Do I need hairdressing insurance?

In a profession that relies on multi-tasking, it’s vital that, as a hairdresser, you’re covered if anything goes wrong. It doesn’t matter if you work for yourself at home or in a well-known salon – if you’re in the industry, it makes sense to enjoy the peace of mind hairdressing insurance offers.

As a hairdresser, you’ll find yourself in a lot of potentially dangerous situations. Firstly, you have the day-to-day injury risks to protect against – accidentally burning a client with the straighteners, or causing a slip on a freshly mopped salon floor. Maybe you used a defective product on a client, or applied a dye that wasn’t properly prepared, leading to a compensation claim.

What type of hairdressing insurance do I need?

Perhaps your home-working operation has grown to the extent that you now have your own salon and employ staff. If that’s the case, you may be in the market for hairdressing insurance.

Public and products liability insurance for hairdressers

Public liability insurance protects you if you injure someone, or damage their property, in the course of your work. It’s not a legal requirement, but it covers you whether you have a permanent salon or are out and about visiting clients. 

Accidents happen, and in an environment home to sharp objects, corrosive materials and slippery floors, it’s not hard to imagine how. Public liability insurance protects you in the event of an accident, and may cover your legal fees and any compensation costs.

Products liability insurance is easily combined with public liability to add further protection – useful if someone makes a claim against you for using defective products, or applying them badly.

Employers’ liability insurance for hairdressers

If you run a business and employ other people (including trainees, students and work-experience interns), you’ll legally need employers’ liability insurance and a displayed certificate to prove it. If you don’t have employers’ liability insurance, you could be fined up to £2,500 for each day you’re not insured.

Shop insurance – salon package

If you run a salon, you may also want to take out shop cover for loss or damage to stock, products, or fixtures and fittings. If you own the premises, you could extend this to include buildings insurance

If you offer beauty treatments or make-up services, you may need to increase your cover further.

Do hairdressers need insurance for COVID-19? 

As a hairdresser working in close contact with customers, it’s unlikely you’ll be able to find an insurance provider who’ll cover you for catching or passing on COVID-19. 

However, you may be able to get business-interruption insurance, which will cover you should the UK have to return to lockdown. 

In 2020 , some insurance providers refused to pay out on business-interruption policies, claiming that they didn’t cover pandemics. But in January 2021, the High Court ruled that the hairdressers’ claims were valid, and the providers were forced to pay out. 

The lesson, however, is that you’ll need to closely check your policy and make sure it covers your needs.

Get the right hairdressing insurance

Any insurance premium is based on factors specific to you, such as your claims history, the size of your business, and how much cover you need. 

Get a hairdressing insurance quote now and see if you could save.

Frequently asked question

Does my home insurance cover working from home?

Standard home insurance policies won’t protect you if you’re working at home. In fact, if you haven’t tailored your policy to include business activities, you may even invalidate it.

If you’re employed by someone else, it’s worth checking their insurance policy to make sure it has you fully covered.

What is mobile-hairdressing insurance?

If you’re a mobile hairdresser and work alone, on top of public liability insurance, you should consider a tailored business contents insurance package. This will protect your all-important kit from damage, theft or loss. You may also need self-employed car insurance if you use your car to visit clients.

Do I need product liability insurance?

If you own a salon that sells products – either your own, or those made by another brand – you may need product liability insurance. This will cover you if someone is injured or if their property is damaged by a product you’ve sold them.

Looking for a quote?

Compare business insurance from leading providers

Get a quote
Get a business insurance quote and you could start saving now Start a business insurance quote