Information about our policy and COVID-19
Further to the Government’s recent announcement allowing Hairdressers and Barbers to reopen from 4 July, our policy will cover you as long as you comply with any relevant laws and regulations, and follow all government guidance.
Business Insurance For Hairdressers From £3.76 A Month
Our policy provides financial protection to self-employed, freelance and mobile hairdressers should an incident occur that results in a claim against you. We provide up to £10 million in Public Liability Insurance for hairdressers as standard.
Public Liability will protect you if a client or member of the public is injured and lays blame on you for the incident. It will also cover you should an individuals property get accidentally damaged.
With cover for your hairdressing equipment and stock also available, the policy can protect you for loss or theft of your products and tools of the trade. There is also the option to add Employers’ Liability and Personal Accident cover if required.
The policy can be purchase online for just £47.04 a year, with the option to pay in monthly, interest-free instalments. Tell us your turnover and when you want the policy to start and you’ll get an instant price.
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Why do hairdressers need insurance?
Injuries to the public
Whilst the probability of injury to a client or a member of the public is low, public liability insurance will protect should someone get hurt whilst in your place of work and holds you accountable.
Professional treatment risk
Should a member of the public take legal action against you as a result of your perceived negligence when providing a service or treatment, our policy will cover you.
Damage to Property
A second reason why public liability is vital for hairdressers is due to the risk of someone’s property being damaged. For instance, a hairdresser who visits a client’s home for a haircut but accidentally spills hair dye on their carpet could be liable to a claim. Public liability would protect you in such instances.
Being a hairdresser may not seem risky but having public liability in place is vital. There are a number of risks which could lead to costly legal cases. With no insurance in place, you will be liable for those costs, putting both you and your hairdressing business at risk.
What type of insurance do Hairdressers need?
Public liability insurance is essential for any self-employed, freelance or mobile hairdresser. Some hairdressers will need to include equipment insurance and employers’ liability within their policy, that’s why we offer the following cover options:
This benefit is included as standard on our insurance policy for hairdressers. Public Liability for Professional Treatment and Products Liability provides you with up to £10 million of cover if you injure a third party while carrying out your insured activities, such causing a burn when using dye on a client’s hair. Your policy covers the defence fees and any subsequent settlement.
We can provide up to £12,000 of cover for items of equipment you use to run your business. Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
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 to 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 an 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.
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:
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.
Q. Do you need to see my qualifications/certificates?
A. 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.
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 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 an 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 FAQs page.