Question 1

What activities can you cover me for?

Accepted Answer

We can cover the following activities as standard under our Hairdressing Insurance policy: The use of: – Clippers/trimmers and cut-throat razors – Electrical equipment such as curlers, straighteners, hairdryers and tongs The application of: – Bleaches, dyes, perms and tints – Hair extensions (subject to you being qualified for the extension method you are using) – Nail polish (including the application of acrylic coatings, cutting and shaping of nails), false eyelashes and semi-permanent eyelash extensions – Tooth jewellery The activities of: – Ear piercing using a gun and stud – Eyebrow plucking (including threading and waxing), shaping, dyeing, tinting and perming including semi-permanent mascara – Washing, cutting, styling and drying of hair If your chosen treatment is not listed, just get in touch and speak to one of our friendly advisors to see if we can cover you.

Question 2

Do you need to see my qualifications/certificates?

Accepted Answer

We do not need to see proof of your qualifications for you to be able to take out our insurance. We do, however, require you and any employees to hold the relevant qualifications or certificates for the services you are providing. Please note, that we do not accept qualifications that are obtained by a method of remote learning (e.g. internet-based training courses). If you need to make a claim on your Hairdressing Insurance policy then we may request to see these documents. Should we discover that you are not qualified to carry out the insured activities, we may reject your claim.

Question 3

Am I covered if a customer doesn’t like their hair cut/treatment?

Accepted Answer

No, this is something that is not covered. Our policy is designed to cover Liability issues, such as injury to a third party, such as a customer, or damage to their property. For example, our policy would cover a mobile hairdresser if they were to burn a client’s scalp with curling tongs, or with an erroneously applied bleach.

Question 4

Do I need to do a patch test on a client prior to using hair dye or other such products?

Accepted Answer

You would need to do a patch test at least 24 hours prior to using a product on a client for the first time and follow the manufacturer’s instructions. However, if the manufacturer states that patch testing should be done more regularly, or each time that a product is to be used, then you should adhere to those instructions.

Question 5

Can you insure my hair products and stock?

Accepted Answer

Yes, our Equipment Cover benefit includes protection for things such as styling products, treatment items and other stock you may use or sell in your salon. Like your specific hairdressing equipment, it is covered against loss, theft and damage up to the value selected on your policy. We even provide £250 worth of cover free of charge with every policy taken out.

Question 6

I have students working for me while they study to become a hairdresser, are they covered under this policy?

Accepted Answer

If you include Employers’ Liability on your policy, we can provide cover for students as long as they are supervised.

Question 7

What happens if I have a claim under the Equipment Cover section of my policy?

Accepted Answer

If your equipment requires repair or is deemed to be broken and you have a valid claim, we will cover the costs of hiring new equipment to replace it while the original item is being replaced, or until your claim is settled, whichever is soonest.

Question 8

Are my work phone and laptop covered under the equipment cover section?

Accepted Answer

No, we only provide cover for the items you use to provide your insured treatments, such as scissors, clippers, salon chair and razors.

Product Category: Hairdressing

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