Hair and beauty insurance
In the hair and beauty business, insurance means you’re protected when things don’t work out as planned.
Hairdressing, barbering and beauty services focus on giving clients the look they want, but problems can arise. Allergic reactions and accidental salon injuries may lead to court cases, while equipment damage can affect appointments.
Having tailored insurance in place means your nail salon chain, mobile barber offering or self-employed hair and beauty business is covered when the unexpected happens. With Hiscox, you can even receive cover from our combined professional, treatment and public liability insurance – a specialist product designed to help you concentrate on transforming clients.
Hair and beauty professions that Hiscox cover
Beauticians
Working in beauty means using products that help you to achieve amazing results. However, these products can also bring about legal cases if someone is burned or if they say your aftercare advice was not up to scratch. Insurance helps to offset the key risks.
Hairdressers
Styling hair requires great equipment – it’s why you invest in the best clippers and curling irons on the market. Salons can be busy, however, and if you work as a mobile hairdresser, then the environment is less controlled. Insurance can protect against equipment theft while also offering cover for treatment risks and other accidents.
Nail technicians
Nail artistry is a hard-won skill, but that doesn’t mean you won’t encounter problems. A wrist injury may mean that you’re unable to perform manicures, or your valuable equipment could be damaged. Tailored insurance can assist with claim costs so you can continue designing Instagram-worthy nails for your clients.
Barbers
As a barber, you style hair and trim beards, opening up the potential of complaints for both services. There are other risks too – if you become injured in an accident, you might be out of action for a while, or your clippers could be dropped and need repairing.
Key types of insurance for hair and beauty businesses
The combination of insurance products you can purchase depends on your exact line of work. Generate a quote or call our experts to find out what’s available for your profession.
Professional, treatment and public liability insurance
With Hiscox, those working within the hair, barbering and beauty sector can buy our specialist professional, treatment and public liability insurance policy. This product combines treatments and professional liability with public and product liability and offers cover for both treatment and non-treatment public and product liability claims.
Employers’ liability insurance
Hair and beauty businesses often have staff, so you could need employers’ liability insurance. This is a legal requirement (external link) for most businesses with employees or trainee helpers. Hair and beauty treatments are hands-on, so there’s scope for an employee to sue if they develop a condition such as arthritis and say work was to blame.
Portable equipment insurance
Equipment is essential to the services you provide to your clients, so cover for key items can prove helpful. Whether owned or hired, items such as hair straighteners, nail dryers and microdermabrasion machines can be covered for replacement or repair with portable equipment insurance for hair and beauty professionals.
Cyber and data insurance
You likely manage appointments and enquiries online, so cyber insurance for hair and beauty professionals can respond to digital threats. It can help protect against the cost of systems recovery if there’s a hacking event via your website booking form and you lose client data.
Personal accident insurance
When you make money with your hands, it may pay to protect them. Personal accident insurance helps protect hair and beauty professionals financially if an accidental injury leaves you unable to pick up the scissors or nail files for a while, until you’re able to return.
Legal protection insurance
You might be in the midst of a contractual dispute with the supplier of your nail dust and fume extractors, or a former stylist could take you to an employment tribunal. Either way, building support for legal costs into your hair and beauty insurance can prove reassuring.
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