Hairdressers insurance UK

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UK Hairdressers insurance Mobile & Freelancer

Hairdresser cover with public liability cover should be considered if you work from a salon or provide a mobile service or a mix of both. If you are a freelance hairdresser you are able to visit clients in locations they choose. This type of mobile hairdressing service is in high demand for weddings and special occasions. Alternatively if you operate from a hair salon the cover will be similar, but may need to include buildings and contents.

At Multi Quote Time we work in partnership with QuoteSearcher who provide a simple form which once completed is submitted to a specialist panel of hairdresser insurance brokers. These brokers will be in contact via the phone to provide your advice and quotations based on your personal business requirements

hair dresser insurance with public liability

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 to the client's home or visit a hospital to provide their valuable service to their clientele. Unless you employ staff,  you are not required by law to have insurance. However, as you are working with the public, you should consider public liability cover. Mobile hairdresser insurance with public liability will protect your business against third party claims. 

What does a standard hairdressers insurance include?

The hairdresser needs financial protection against third parties that 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 does hairdressers public liability cover?

Whilst not legally compulsory it will protect you against claims if a member of the public is injured or damage to their property occurs:

  • During your daily business activities
  • At your place of work salon, barbershop, client location or hairdressing salon

What else can be added on to a hairdresser's insurance policy to protect your business?

Below we have listed other option add-ons that you may consider in addition to hairdressers insurance with public liability:

  • Product liability cover is protection when an item that can be liquid, solid or cream is used on a client and the product is deemed faulty by the client and a legal claim is made. This cover can be up to £5 million.
  • Professional liability cover handles when there is a disagreement between the client and the hairdresser on the treatment used on the client. When this type of claim is made, protection of up to £10,000 is available to cover the settlement.
  • Business equipment, tools and product stock can all be insured. This type of cover is protection if any of these items are damaged, broken or stolen.
  • Personal accident insurance will cover the costs if the self-employed hairdresser become sick, is injured or dies while on the job. This cover provides funds for medical bills and loss of income. This protection can be up to £20,000 for injuries and £40,000 in case of death.

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 employer's liability cover. 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.

If you are a mobile beauty therapist this page is filled with useful information. Salon insure quotes is also helpful.

Are there any other factors that need to be considered?

Most hairdressers use a car to visit clients. 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 any insurance policy that meets with your requirements should start by searching and researching all the available options. The panel of brokers can provide you with personalised quotations for hairdressers insurance. All you need to do is complete one easy online form.

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