Specialist Insurance for Hairdressers and Barbers
A career as a hairdresser may not seem one fraught with dangers and risk. However regardless of whether you operate on a mobile or salon-based scenario, without protection seemingly minor mishaps can lead to financial troubles.
The slip of a scissor blade, a bad reaction to hair dye, or the spillage of bleach on a client’s carpet really showcase the requirement for public liability for hairdressers. And that’s not all that could go wrong.
With cover for your equipment and stock, our Hairdressing Insurance policy protects you for loss or theft of your products and tools of the trade. There’s also the option to add Employers’ Liability, Personal Accident cover and Legal Expenses if required.
Our policies start at just £42, with the option to pay in monthly, interest-free instalments. Getting a quote couldn’t be easier. Tell us your turnover and when you want the policy to start and you’ll get an instant price.
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Why choose Protectivity?
Fast & Straightforward Process
There’s no confusing jargon or long-winded process involved with getting covered with us. Our quick quote system means you can get a price and be covered in just a couple of minutes.
With our policy for hairdressesrs and barbers available for just £3.36 a month, it really is just a drop in the ocean compared to what it could save your business in the event of a claim.
Niche Insurance Specialists
Having been providing insurance for over 25 years, we know not all insurance cover is the same. That’s why we go the extra mile to ensure you and your business has the exact cover you need.
Excellent Claims Handling
When things go wrong, our claims handlers are determined to deal with your claim in the most efficient and sympathetic manner to minimise any disruption to your hairdressing business
Thousands of happy customers
What's included in your Hairdressing Insurance policy?
Our policies for hairdressers and barbers are built around your needs. Here’s what it can include:
Included as standard, Public Liability provides you up to £10 million of cover if you injured a third party, while you carry out your insured activities, for example, if you were to cut a client whilst giving them a hair cut. Your policy covers the defence fees and any subsequent settlement.
You are likely to have plenty of equipment and stock in your salon or business premises. We can provide up to £12,000 of cover for items such as chairs, clippers and hair products against loss, damage and theft. £250 of cover is provided free of charge on every policy.
If you employ any members of staff it is your legal responsibility to take out Employers’ Liability. This will cover you for £10 million should a staff member have an injury at work or suffer property damage due the negligence of the business.
Personal Accident Cover
Accidents at work can cause financial hardship, so by taking out our additional Personal Accident cover, you’re protected if a injury meant you were unable to work for a significant period of time. This includes loss of income as well as a range of other injuries.
Optional Legal Expenses Cover
As a self employed hairdresser having to take out legal action against an employee or third-party can prove a costly exercise. Our policy can provided £10,000 of legal expenses cover to handle the costs of this action.
Monthly Payment Plans
Spread the cost of your payment by taking advantage of our interest-free monthly payment plans. Just pay a 20% deposit when you take out your policy, then 10 monthly instalments.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
We are committed to making our claims process as smooth and efficient as possible.
If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.
Frequently Asked Questions
Q. What activities can you cover me for?
A. We can cover the following activities as standard under our Hairdressing Insurance policy
– Application of bleaches, dyes, perms and tints
– Application of hair extensions (so long as you are a fully-qualified hairdresser or beauty therapist and have attended a UK-accredited course for the extension method you are using)
– Special hair treatment such as straightening and conditioning (up to 0.2% formaldehyde is covered if using a chemical straightening method)
– Use of clippers/trimmers
– Use of electrical equipment such as curlers, straighteners, hairdryers and tongs
– Washing, cutting, styling and drying of hair
If you’re chosen treatment is not listed, just get in touch and speak to one of our friendly advisors to see if we can cover you.
Q. Do you need to see my qualifications/certificates?
A. While we require you to hold the relevant qualifications for the activities you are covered for, we do not need to see proof of this in the first instance.
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.
Q. Am I covered to work from home?
A. Yes. Our policy is designed to cover freelance hairdressers and mobile salons all around the country. Any policy you take out will cover you and your business, as opposed to a specific address.
This means that you’re covered regardless of whether you are working at home, in a client’s house or within a dedicated salon.
Q. Am I covered if a customer simply doesn’t like their hair cut/treatment?
A. 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 a erroneously applied bleach.
Q. Can you insure my hair products and stock?
A. 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.
Further information on our policy
If you have any other questions regarding our Hairdressing Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.
More information on what we can cover on this policy can be found on our FAQ’S page.