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What does Hairdressing Insurance cover?

Whether you’re self-employed working in a salon, or a mobile hairdresser, our hairdressing insurance provides financial protection 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. 

Our public Liability for hairdressers 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 insurance 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.

You can purchase your Hairdressing Insurance online for just £54.54* a year, with the option to pay in monthly, interest-free instalments. Get an instant quote by completing our short online quote form below. 

Get an instant hairdressing insurance quote

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 for hairdressers 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 hairdressing insurance policy will cover you, whether you work in a salon or are a mobile hairdresser.

Damage to Property

A mobile hairdresser might need insurance 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.

In Summary

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. Without hairdressing 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 cover and employers’ liability within their hairdressing insurance, that’s why we offer the following options:

Public Liability

Public Liability is included as standard in our insurance 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 as causing a burn when using dye on a client’s hair. Your policy covers the defence fees and any subsequent settlement.

Equipment Cover

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.

Employers' Liability

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 sustain bodily injury, illness, disease or medically recognised psychiatric injury whilst working under your employment.

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.

Third Party Property Damage

This covers you against any non-negligent loss or damage to the property of others that you may cause during the period of providing your hairdressing or barbering services.

Legal Expenses

This optional benefit provides you access to a legal helpline and a counselling service in addition to legal defence costs. The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.

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.

We offer insurance to the following types of hairdressers:

We offer insurance for many types of hairdressers, including:
Hair and beauty salons
Freelance hairdressers
Mobile hairdressers

How much does hairdressing insurance cost?

Our hairdressing insurance covers salon and mobile hairdressers, for just £53.54 a year, with the option to pay in monthly, interest-free instalments. Get an instant quote by completing our short online quote form above.

Frequently Asked Questions

Q. What activities can Hairdressing Insurance cover me for?

A. Our Hairdressing Insurance covers freelance and mobile hairdressers under our 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. Do mobile hairdressers need insurance?

A. Insurance for mobile hairdressers isn’t a legal requirement, however it is advised to ensure that you’re covered against potential claims.

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.

Q. Can I hire equipment if my equipment is damaged and I need make a claim?

A. Yes, if you have a valid claim due to equipment damage or loss of your hairdressing supplies, we will cover the costs of hiring a temporary replacement in the meantime.

The policy will cover these costs until your claim is settled, or until your damaged item is repaired, whichever is soonest.

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.

This content has been created for general information and should not be taken as advice. Make sure you have the correct level of cover for your requirements. For full details on what is covered check our policy documentation with your quote.

*Prices refer to a quote from our website 20/12/2023. Prices will differ depending on requirements. Make sure you have the correct level of cover for your requirements. For the most accurate pricing get a quote.