Hairdressing Insurance

Hairdresser Liability Insurance Quotes 

Hairdresser insurance offers financial protection for a range of risks involved in running a salon. There are different types of hairdresser insurance coverage available to choose from, some are listed below: 

• Professional liability insurance – Protects you from claims from third parties for injury or property damage. 
• Product liability insurance – Protects against claims related to the products you may sell. 
• Employer’s liability insurance – This is a simple one, if you employ people, including unpaid apprentices, you are legally required to have this cover. 
• Building cover – Covers repairing or rebuilding your business premises after things like fire, flood, or subsidence.  
• Contents cover – Covers replacing your equipment or stock if damaged or stolen.  
• Professional indemnity – Covers compensating clients for loss or damage resulting from services or advice your business provided.  

Hairdresser public liability insurance is usually calculated on a case-by-case basis.  

Cover is available whether you run a large salon or are a solo mobile hairdresser. Shop around and compare different policies. Our comparison platform Quotezone.co.uk can simplify the process of comparing multiple quotes side-by-side. 

Why would a hairdresser need liability insurance? 

There are multiple reasons why liability insurance for hairdressers is important. Things happen and mistakes are part of life. But liability insurance protects you against claims from incidents that happen on your property, or at events organised by your company. 

In the case that someone slips and falls in your salon, liability insurance for a hairdresser is designed to provide financial protection. Hairdresser liability cover offers peace of mind while you do your job.  

How much is hairdressing insurance? 

Hairdresser public liability insurance costs are typically calculated on a case-by-case basis, and this means no two policies will be the same. 

Listed below are some of the factors that affect the cost of insurance:  

• Location of your business 
• Types and levels of coverage selected 
• Experience in the industry 
• Services provided 
• Previous claims history 

What is included in your hairdressing insurance will also impact your premiums, as generally the more comprehensive the cover, the more you can expect to pay.

What is included in hairdressing insurance?

Hairdressing insurance can cover you against a range of costs, such as public liability insurance up to the value of £5 million or even up to £10 million, contents coverage, building insurance and professional indemnity insurance. You can tailor your policy with many insurers to ensure that the level of coverage taken out will meet your hairdresser’s needs. This will help ensure that your business has all the required coverage whilst also not overspending on any unnecessary coverage that you may not need.

Is liability insurance for a hairdresser a legal requirement in the UK, or is it optional?  

Hairdressing liability insurance is typically your choice as it is not a legal requirement. Insurance protects both your clients and your professional identity, so it is worth considering regardless.  

On the other hand, an employer’s liability cover is a legal must. Compare hairdresser liability insurance by using our platform at Quotezone.co.uk to help you find a suitable policy easily and quickly.  

Self-employed hairdresser insurance

If you operate as a self-employed hairdresser and are not part of a larger franchise overseeing your business, you will need to organise your own hairdressing insurance. This is best done by comparing multiple insurance providers and tailoring your policy to best cover your specific needs.

Is it true that if I rent a chair in a salon they will insist that I have this insurance? 

Every salon will have different requirements, so it’s best to find out from the specific salon that interests you. If you are concerned about being protected under the salon’s liability insurance, it’s best to always check. 

If this is not the case, salons often request external hairdressers to have their own hairdresser liability cover. 

Liability insurance for a hairdresser can be the difference between financial security and potential financial hardship. So be sure to make the right choice for you.  

What types of risks does hairdresser liability insurance protect me against? 

Listed below are some of the risks public liability insurance for a hairdresser offers you protection from:  

• Injuries that happen on the premises – Things like a client slipping on a wet floor or tripping over a cord.  
• Property damaged in the salon – For example, if bleach or dye was spilt on a client’s clothes or bag.  
• Legal expenses – Costs involved in fighting a claim. 
• Compensation costs – The compensation payout needed for damage.  

Compare hairdresser liability insurance policies carefully, and understand what is and isn’t covered. You could need to include add-ons for a more comprehensive level of protection. 

If I am a mobile hairdresser, can I still take out hairdresser liability insurance? 

Absolutely, yes. A mobile hairdresser can get a liability insurance policy. Insurance can be even more important for mobile hairdressers because they are not based in a permanent salon setup. 

Hairdresser public liability insurance is designed to protect you from industry-related risks. 

When comparing quotes, make sure you carefully review the limitations of the policy to make sure your mobile hairdressing business is sufficiently covered.  

Does hairdresser public liability insurance cover me if a client has an accident in my salon? 

Typically, yes. Insurance policies are designed to protect you against industry-based risks because mistakes and accidents do happen. This is exactly what hairdresser liability insurance is for. 

If a client were to fall in your salon and hurt themselves, they can then hold you responsible for their injuries or property damage. Liability insurance for hairdressers offers you protection and also covers medical expenses and legal costs. 

What amount of public liability cover will I need for my hairdressing business? 

It is not easy to answer this question because insurance comes down to coverage and affordability needs. Hairdresser liability cover has many facets. Some you should consider are listed below:  

• Legal obligations.  
• Size of hairdressing business.  
• Annual turnover.  
• Location.  
• Number of clients.  
• Requirements of specific contracts. 

When comparing quotes, you will have the option to weigh up the cost of different levels of coverage. Your professional body will also be able to advise on what would be a suitable level of cover for your business. 

Are there any exclusions I should be aware of with this type of policy? 

Public liability insurance for a hairdresser, like all insurances, will have exclusions. 

Exclusions will be different on each policy. You will need to compare policies to see the differences in exclusions. 
 
Exclusions typically include: 

• Illegal acts. 
• Intentional damage. 
• Working under the influence of alcohol or drugs. 
• Intentional harm. 

Make sure you do sufficient research and read the quoted policy terms and conditions. 

What risk factors will influence the cost of this policy? 

Hairdressing liability insurance costs just like most other types of insurance are dependent on multiple different factors. 

These factors may differ from one insurance provider to the next, some common factors are listed below:  

• Level of cover required 
• Size of hairdressing business  
• If you own or rent the premises 
• Yearly turnover  
• Services being offered  
• Location  
• History of previous claims  
• Number of employees 

Comparing quotes and weighing up the impact of different types and levels of coverage will quickly help you understand costs. We can help you with this on our platform. 

What steps can I take to reduce the cost of this insurance? 

Listed below are some of the steps you can take to reduce hairdresser liability insurance costs:  

• Keep a healthy credit score 
• Consider bundled policies 
• Shop around 
• Enquire about applicable discounts 
• Choose a higher deductible 
• Pay premiums annually where possible 

What’s the best way to compare hairdresser liability insurance? 

Finding the right hairdressing liability insurance policy can take a good amount of shopping around. Our online comparison platforms at Quotezone.co.uk can make the process easy and fast and potentially save you money. 

Listed below are a few tips to consider:  

• Carefully evaluate your insurance needs.  
• Look at your budget to see what you can afford. 
• Compare quotes from multiple insurers. 
• Fully understand the terms and conditions of the different policies.  
• Look at the level of customer service offered by the different insurers.