Business insurance for hairdressers

“Going anywhere nice on your holidays Mrs Jones?” Being able to cut hair, make conversation and remember about a client under the hair dryer means that as a hairdresser you need to be able to multi task. Forgetting to mix tints with hair dye correctly or leaving the straighteners in for too long and burning a client as a result can turn into a heap of damage claims. Without adequate insurance your bad coiffure day could get a whole lot worse.

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Do I need insurance as a hairdresser?

No matter if you work from home, in a salon or are a mobile hairdresser, you should ensure your business is protected at all times. This being said, you will need different types and levels of cover depending on what work model applies to you.

hairdresser

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.

Employers’ Liability Insurance

If you have staff, then you need employers’ liability insurance by law. You are also required by law to display a copy of your Employer’s Liability Certificate of Insurance where your employees can easily read it. Failure to display the certificate can result a fine of £1000 from the Health & Safety Executive (HSE). Failure to have Employer’s Liability insurance could lead to a fine of up to £2,500 for every day you don't have this insurance in place. Employers’ liability covers temporary staff as well as trainees, students and work experience persons.

What else should I consider?

If you work from home, don’t assume your work is also covered. Standard home insurance doesn’t protect you against claims resulting from business activities you conduct at your house. What’s more, you may be inadvertently invalidating your home insurance policy if it’s not adequately tailored to include commercial activities.

If you run a hairdressing salon and employ staff, you will need employer’s liability insurance as mentioned above. You may also want to consider taking out cover for loss or damage caused to your stock and products, general contents, fixtures and fittings, as well as to improvements you have made to the premises. These covers usually come under a salon package, which you could extend to include buildings cover, if you own the building where your business is located. You may need to take out additional insurance if you provide beauty treatments as well.

If you’re employed by someone, it’s worth reviewing what insurance they have in place first to see if it meets your needs.

If you are a mobile hairdresser and work on your own, apart from getting public liability cover, you may want consider one for your equipment too. It will cover your kit from damage, theft or loss should any of these happen, meaning you can get back on your feet without too much of a detrimental effect on your business or finances.

To ensure you have the right policy in place, fill out a call back form. Our advisors will call you back and help compare tailored quotes over the phone.

How much will hairdressing insurance cost?

That depends on your needs. Premiums are based on various factors such as the amount and type of covers required, the size of your business and your claims history. This is why it’s imperative to be honest and upfront when it comes to providing information about your business – even teeny, tiny untruths can invalidate your policy (and you don’t want to discover that when you’re trying to make a claim).

Comparing insurance policies

Use our public liability or employers’ liability comparison services to find the right deal for you or fill out a call back form and one of our advisors will get in touch to discuss your individual business needs.