There are a few different areas of cover that can be included in your insurance policy which are important for a mobile hairdresser to have before they start visiting client’s homes to cut hair:
Public Liability Insurance
Public Liability Insurance is an essential policy to have in place and offers protection against a range of situations where you may be considered to be responsible. So, for example, should you slip when holding scissors, nicking your clients neck, then public liability insurance will protect you providing cover for legal costs.
- Third Party Property Damage Cover
A policy for Third Party Damage will cover the costs of repairing or replacing property owned by a third party but damaged by you whilst providing hairdressing services. So, for example, straighteners that you are using during an appointment at a client’s house causes damage to furniture then repair or replacement of that furniture would be covered with a policy such as this.
Products Liability
If a claim is made against you or your business because of damage or injury caused as a result of a treatment that you have provided, then Product Liability Insurance can protect you in this instance.
- Equipment and Stock Cover
This policy will cover your equipment and stock should it get damaged or stolen. So, if your tools and products are stolen whilst attending an appointment then the costs of recovering and replacing the equipment and stock will be covered.
– Equipment Hire
If you work as a mobile hairdresser, then equipment can be covered whilst you are at and travelling between appointments. Should you need to claim on this policy, you will be able to temporarily hire the equipment you need so that you can continue working whilst the claim is being settled. ·
Employers Liability
This is a legal requirement if you employ any staff, so if this applies to your business then Employers Liability will be an essential policy for you to take out. This will cover your business if your employee claims that they have fallen ill or been injured whilst working. It is an important aspect of cover to have as the risk of injury whilst using scissors or hair dye is significant.
This policy covers you if you are injured whilst working. Although not a legal requirement, it is a sensible policy to have in place given the risks through working with scissors, straighteners and chemicals in hair dyes. This policy provides you with a weekly benefit if you are unable to work and earn money.
