Business insurance for Hair and beauty businesses

You enjoy working with your clients to give them the exact look they want, but for your hair and beauty business, insurance means you’re protected when things don’t work out as planned. Nobody likes to think about disappointing a client, but it can happen. Then there’s the risk of allergic reactions, or even accidental injuries in your salon. Whoever’s fault it is, having comprehensive business insurance in place means you’re covered when the unexpected happens, so you can get on with your job and run your business.

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Insuring your hair and beauty business

Whether you’re an individual hair stylist, a beautician, you run a single salon or you manage a chain of businesses, you’re always dealing with a wide range of people, often with products and chemicals that help you to achieve amazing results. But sometimes things go wrong. With business insurance for hair and beauty professionals you’ll be covered for those unexpected times, protecting you against the cost of defending or settling a claim.

Why you need business insurance for hair and beauty businesses

A costly trip

Portable hair and salon equipment means lots of cables and a lot of devices that stay hot for a while. If a client trips and falls they could be injured and they may even come away with minor burns. A trip to the salon is meant to be a treat, but if it ends with an injury you could face a claim for compensation. Public liability insurance covers the cost of defending the claim and any settlement, allowing you to get on with running your business.

A chemical reaction

Despite testing a small area of skin with a hair product a client could still suffer an unexpected reaction. If it means they need to take time off work or get medical attention, they’re likely to blame you and they could take legal action. Professional treatment liability insurance covers the costs of defending yourself and your business. It’s another way that tailored business insurance policy for hair and beauty professionals can help.

Stolen business computer

Your computer may not spring to mind as a key piece of equipment, but you use it a lot for bookings, payments and accounts. If it’s damaged it can play havoc with your diary and you may not be able to access your accounting and payments systems. Portable equipment insurance covers you for the repair or replacement of the computer, so you can keep your appointments and your good name.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your hair and beauty business. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for hair and beauty businesses

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These are just some of the types of business insurance for hair and beauty businesses that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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