As a Mobile hairdresser, you may wonder if you need to insure your small business. You may think the risks associated with you business are small, but there is quite a lot that could go wrong, and unlike a large business, smaller businesses are not always able to absorb unexpected costs that a claim could cause.
The three main forms of insurance that a mobile hairdresser needs are public liability insurance, equipment cover and personal accident, although there are other types of insurance that should be consider
Public liability insurance is essential for any mobile hairdresser. It covers injury or damage to a third-party or their property, such as causing a burn when using dye on a client’s hair.
In the event of your business being blamed for an incident such as the one above, your Public Liability will provide cover for the legal costs associated with defending you in court plus any damages that are deemed payable.
There are losts of risks which could lead to costly legal cases. With no public liability insurance in place, you will be liable for those costs, putting both you and your mobile hairdressing business at risk. Protectivity ‘s Mobile Hairdressing Insurance provide up to £10 million in Public Liability Insurance as standard.
The tools in which you use for your hairdressing business are vital for you to carry out your service. Therefore, damage or loss of your equipment can have a problematic effect, not to mention placing a significant financial hit on your business in having to replace them.
Protectivity can provide up to £12,000 of cover for items of equipment you use to run your business. You can be protected should your scissors, dryers, chairs or other items be damaged, lost or stolen.
Find out more about hairdressing supplies and equipment cover here.
It’s possible that an injury or an illness could leave you unable to work and, if you’re self-employed, you won’t have access to sick pay to help you pay your bills while you recover.
Personal accident insurance provides cover which could result in you receiving a lump sum payment if you are seriously injured or killed in an accident whilst at work and carrying out the activities for which you are insured.
This provides cover for the following instances:
Temporary total disablement
Permanent loss of the use of one or more limbs
Loss of sight in one or more eyes
Protectivity offer Hairdressing Insurance from £3.76 a month and provides financial protection to self-employed, freelance and mobile hairdressers.
The policy can cover your business for:
Protectivity is a specialist in niche commercial, leisure and lifestyle insurance. We cover thousands of individuals and small to medium size businesses across the UK, including hairdressers and barbers, offering a range of tailored insurance products to protect our customers against unforeseen events