Insuring your hairdressing business
Whether you own a salon, a barber shop or you work as a mobile hairdresser, you’ll be no stranger to the challenges of styling people’s hair. From indecisive customers to out-there requests, each day brings new experiences and new risks. Hiscox will put together an insurance package for you that’s tailored to the risks hairdressers and barbers face, so you know you’re protected.
Why hairdressers and barbers need business insurance
Illness and injury
An employee may forget to do a patch test for a customer, or a slip of the hand during a haircut could lead to an injury. If someone has an allergic reaction or they’re hurt as a result of your services, they might try to sue you for malpractice. Even if you don’t think you’re at fault, defending yourself will be expensive. We’ll cover the cost of dealing with any claims.
Damaged premises
Imagine your property is damaged by a fire, or you’re affected by something completely random like a flooded high street or a vehicle collision. if your salon or barber shop suffers serious damage, the cost to your business is likely to be high. Hiscox will protect your work premises when the unexpected happens, so you can get back up and running again as quickly as possible.
Accidents at work
A customer might burn themselves on a curling iron during a home visit or an employee could slip on a wet floor in your shop. Even if you don’t feel you’re at fault, a liability claim could be brought against your business. Having the right insurance in place will make sure you’re able to defend yourself or settle the claim.
If you’re not sure what you need, tell us a little more about your hairdressing business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for hairdressers and barbers
Public liability insurance
Public liability insurance protects you if a member of the public is injured, falls ill or suffers damage to their property and blames you or your business. This includes things like slips and trips in your shop, as well as damaged property, for example if you were to accidentally burn their carpet with a heated device during a home visit. If they feel you’re to blame and they take legal action against you, public liability insurance makes sure you’re covered.
Portable equipment insurance
If you work as a self-employed mobile hairdresser you probably rely on expensive and specialist equipment to be able to do your job. If any of it goes missing or it’s damaged it may not be cheap to replace it, but while you don’t have it, you’re losing money. Portable equipment insurance protects you against damage, loss and theft so if anything does need replacing, you know you can get back to business, fast.
Professional treatment liability insurance
Professional treatment liability insurance protects people who work in hands-on hair and beauty professions, just like you. If you’re providing cosmetic, medical or therapeutic treatment to your clients, you need to be covered in the event that someone claims they were injured during one of your treatments. Whether or not you’re to blame, professional treatment liability cover helps with the legal and compensation costs of defending or settling a claim and it also covers claims of malpractice.
These are just some of the types of business insurance for hairdressers and barbers 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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