Hairdresser insurance by monthly subscription
- Over 1,000 different business types covered
- Customise cover to meet your needs
- Add, remove or cancel cover at any time
Hairdresser insurance is business insurance tailored to the needs of hairdressers.
Specifications will vary by policy, but cover will usually include professional indemnity, public liability and insurance for equipment.
The type of cover you need will depend on how you run your hairdressing business.
One type of cover that all hairdressers are likely to need is professional indemnity insurance. This protects you from potential malpractice action against you by a client (whether you were at fault or not). You’d also want to consider taking out product liability cover, which helps out with legal costs and compensation payments in case a product you use or sell causes harm to a client. Note that you don’t need to have made the product to be liable for damages.
Hairdressers who rent a chair in an existing salon are likely to just need the above cover, plus cover for business equipment if you use your own. Mobile hairdressers will definitely need cover for equipment and should make sure it includes transit cover.
If you own your own salon, you should look at taking out business buildings and contents insurance. If you employ staff, you are legally required to take out employers’ liability cover. Public liability cover is not a legal requirement, but can also be a good idea, as it protects you in case a member of the public is harmed or their property is damaged due to actions relating to your business.
If you run your salon from home, be aware that your regular home insurance is unlikely to cover anything to do with your business, so consider taking out business contents insurance.
Note that if you offer beauty treatments as well as hairdressing, you’d want to look at hair and beauty insurance.
Hairdressers work very closely with clients and their actions have a direct effect on clients’ wellbeing, both emotional and physical.
You can be the most skilled hairdresser, but accidents and misunderstandings can happen, and can result in action against you.
Additionally, some things, like accidents in your salon or accidental damage to your equipment, are out of your control.
Specifications will vary by insurer and depend on the type of policy you choose to suit the needs of your business, but hairdresser insurance cover can include the following:
Other types of cover you might wish to take out include:
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