Cover against claims for malpractice and liability
As a professional hairdresser running a business, you take the utmost care with your clients and colleagues. But no matter how careful you are, things can still go wrong. Clients can have accidents, employees can get sick, client information can be lost or abused – the list goes on.
However, if any of this happens, it doesn’t have to be a disaster. Our professional insurance plans are tailored to your business, so you’ve always got the coverage and the peace of mind you need. You’ve worked hard to build up your hairdressing and styling business, so why not protect it too?
Professional treatment liability insurance for hairdressers
No matter how careful you are with your clients, there’s always a small possibility that something could go wrong. Scissors, electrical items and hair products pose a risk that a client could be injured or made ill during a styling treatment. And even though it’s only a small risk, it could become a big problem if someone took legal action against you.
Our professional treatment liability insurance can help in these moments. It can cover the costs of settling or defending a legal claim against your work.
For example, our hair stylist insurance could help if:
- A client is injured during a treatment. For example, if you were to cut their ear with some scissors by accident.
- A client suffers an allergic reaction to a haircare product. For example, some people are allergic to the paraphenyldiamine found in certain hair dyes.
Concerned that Hairdressers insurance isn’t the one for you? Hiscox insure a huge variety of hair styling professionals, to see the full range visit our Hair & Beauty Insurance page and select the cover that best matches your business.
Public liability insurance for hairdressers
Companies can also get into legal trouble if their business causes damage to a member of the public or their property. If this happens outside of a treatment that goes wrong, it’s not covered by professional treatment liability insurance – instead, you would need hairdressing public liability insurance.
Hairdressing public liability insurance can protect you against the costs of defending or settling a public liability claim that is going to court. It could help if:
- A client is injured while on your premises. For example, because the floor is wet and they fall.
- A client’s property is damaged by your business. For example, because you knock over and break some expensive technology while visiting a client in their home.
More about Hiscox Public Liability Insurance
Tailor your business insurance quote
- 0% interest on Direct Debits
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
Employers’ liability insurance for hairdressers
Do you employ other people in your hairdressing business? If so, there’s always a chance that they could become injured or ill because of something that happens at work. This could result in them taking legal action to seek compensation from you. And if you were exposed for breaking health and safety regulations, you could be prosecuted. Employer’s liability insurance can give you the protection you need in these situations, potentially covering the cost of defending or settling legal cases. However, it’s worth noting that this kind of hair stylist insurance only covers your employees, and it doesn’t protect you personally.
More about Hiscox Employers’ Liability Insurance
Do I need both public liability + employers’ liability insurance?
If you employ one or more members of staff, your business is legally required to have employers’ liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public think that this kind of hair stylist liability insurance is essential. It’s worth noting that your employees are not covered by public liability insurance.
Personal Accident insurance for hairdressers
Our personal accident insurance is designed to support you, as a business owner, if you or a key employee are unable to work due to an accidental bodily injury. The sudden loss of a member of staff could have a significant effect on your business. This hairdresser insurance policy can help protect against the financial impact by providing your business with a lump sum or weekly amount up to the limit of your cover.
More about Hiscox Personal Accident Insurance
Cyber & Data insurance
As a hairdresser, computers might not be an integral part of your business, but you probably still use them for record-keeping or appointment-booking. If you do, there is always the risk of being attacked by a hacker or experiencing a data leak. In these situations, cyber and data insurance could be very helpful. This kind of hairdresser insurance protects you against potential legal and recovery costs in the event of an incident, while providing you with year-round peace of mind.
More about Hiscox Cyber and Data Risks Insurance
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What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: