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Hairdressers insurance for Stylists and Salon Owners
With hairdresser insurance, you can carry protection with you no matter where your clients are located. With the freedom of being a freelance hairdresser you are able to visit clients in locations they choose and prefer of at your place.
Does a mobile hairdresser need insurance in the UK?
Not everyone is able to visit the hair salon and others just prefer having their hair styled in the privacy of their own home. A mobile hairdresser by definition is mobile and can go the client's home or visit a hospital to provide their valuable service to their clientele. Unless you employ staff as part of your mobile service you are not required by law to have insurance. However, as you are working with the public you should consider public liability insurance, a cover aimed to protect you against third party claims. Please note these claims can be substantial.
What does a standard hairdressers insurance include?
The hairdresser needs financial protection against third parties that could file a claim against them. It is referred to as public liability cover. This protection can be up to £10 million. The coverage will take care of the legal fees of fighting a claim where a third party states they have been hurt, their property damaged and place the blame on the hairdresser. This cover also will pay out any settlement.
What else can be added on to a hairdressers insurance policy protect your business?
Public liability does protect the hairdresser if the third party blames them for the damage, but it will not include if the product used by them is faulty or if the treatment choice is thought to have been wrong.
Is hairdressers insurance required by UK law?
By law, the only insurance required by a hairdresser is if they have employees. Those with even one employee must have employers liability insurance. This is financial protection to cover the medical costs if your employee is injured or become sick while on the job performing their duties. The minimum level of cover for this is £5 million.
If you are self-employed and have no employees, by law no insurance is required. The downside to that is if a claim by a third party is made against you or your business, you are financially responsible for all the costs, fees and settlements.
Are there any other factors that need to be considered?
Most hairdressers use a car to move from client to client. This makes their vehicle part of their business and requires commercial vehicle insurance. For ease of access, many use a small van. By having commercial van insurance, your equipment and supplies will be covered when you are travelling between clients.
There are many factors involved in operating a hairdressers business. The business itself needs insurance so it can operate even when a third party makes a legal claim against it plus the vehicle needs to be properly insured. With these in place, the hairdresser can concentrate on making their clients beautiful.
Compare hairdressers insurance
Finding a hairdressing insurance policy that meets with your requirements starts by searching and comparing all the available options. Our brokers can provide you with personalised quotations for your beauty business. All you need to do is request them.
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