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What does Mobile Hairdressing Insurance cover?

Our policy includes a range of benefits including Public Liability for mobile hairdressing as standard. This means that you will be financially protected should one of your clients get injured or their property is damaged and takes legal action against you. 

It is likely that you own a certain amount of equipment and stock such as scissors, brushes and shampoos. You can cover such items against theft and damage up to the total value of £12,000 under our Equipment and Stock Cover.

You can tailor your policy to include additional cover options such as Personal Accident, Equipment Hire and Employers’ Liability. We offer monthly payment plans with 0% APR to give you more flexibility when it comes to paying for your insurance. 

Get an instant quote online by completing our short quote form below. If you have a question or would like to buy your policy over the phone, our UK based Sales team are available on 01494 887909.   

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Why choose Protectivity?

Fast & Straightforward

There’s no confusing jargon or long-winded process involved in getting covered with us. Our quick quote system means you can get a price for your mobile hairdressing insurance in seconds.

Competitive Prices

With our policy for mobile hairdressers available for just £3.76 a month, it really is just a drop in the ocean compared to what it could cost to save your business in the event of a claim.

25 Years Experience

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 have the exact cover you need.

Excellent Claims Handling

Our claims are handled by Woodgate and Clark who are specialists at ensuring your situation is dealt with in the most suitable and efficient manner.

What type of insurance does a Mobile Hairdresser need?

Our policy for mobile hairdressers is built around your needs. Here’s what it can include:

Public Liability

This benefit is included as standard on our insurance policy. 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.

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 and it depends on the type of injuries you have.

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 Mobile 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.