You want your hairdressing business to run smoothly, no snags, tangles or unexpected cuts. That's why you take care to deliver the highest quality hairdressing to each client, whether you work for yourself or you own a salon. Sadly, no one is immune to business risks and hairdressing is full of liabilities. Hairdressing insurance is there to help straighten out those kinks when they occur, and protect you, your customers and your business premises.

If your work space or equipment is involved in a client injury, or if an employee becomes unwell as a result of their work for you, the right insurance could prove essential. Hairdressing insurance should include public liability insurance for hairdressers, as interaction with the public is a fundamental part of what you do; you should consider cover for business equipment in case loss or damage threatens to put your business on hold.

Professional treatment liability insurance for hairdressers

There's no end to the list of items and equipment in a hairdressing salon that could be the cause of accidental injury of property damage. From dyes and scissors, to dryers and potentially slippy surfaces; the possibility of liability claim being made against you shouldn't be ignored. Even if you know your hairdressing business inside-out and are confident the risk is small, if a claim is made it could be a big problem.

Our professional treatment liability insurance can help in these moments. This is a specialist cover which is designed to protect your hairdressing business from the costs of settling or defending a legal claim.

This hairdressers liability suits mobile hairdressers, colourists and hair stylists too, should a client claim they have been affected by malpractice.
For example, our treatment liability insurance could help if:

  • A client is injured during a treatment. For example, if you were to make contact with skin during a haircut and hurt the client.
  • A client suffers an allergic reaction to a haircare product. For example, some people are allergic to the paraphenyldiamine found in certain hair dyes.

More about Hiscox Professional Treatment Liability insurance

If this doesn't sound like the right type of insurance for your business, please visit our Hair & Beauty Insurance page and select the cover that best matches your business.

Call on 0800 2800 351 Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Public liability insurance for hairdressers

Your profession is one that revolves around intimate contact with members of the public, so public liability insurance should be a hugely important aspect of your hairdressing business. Even if you are established in your local area and know your clients well, if you damage their property or they incur injury onsite, you are still vulnerable to legal action.

While Treatment Liability Insurance will protect you if that claim relates directly to the service you are providing, incidents outside of treatment can only be covered by public liability insurance.

Hairdressing liability insurance can protect you against the costs of defending or settling a claim from a client or third party. It could help if:

  • Somebody is injured while on your premises. For example, if a member of the public slips on the wet salon floor.
  • Property is damaged by your business. For example, if you work as a mobile hairdresser and you spill coffee on the furniture of a client while visiting their home.

If you want to find our more about Hiscox Public Liability Insurance before you buy, please review our liability policy and see our liability insurnace FAQs.

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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, you have a responsibility to protect them. No matter the terms of employment, form intern or volunteer to full-time employee, you are legally required to have employers' liability insurance in place. 

If an employee is injured or struck by illness because of their work activities or envrionment, they may seek compensation. Should your hairdressing businses or another of your employees be found to have been negligent, employers' liability insurance provides financial cover.

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. For hairdressers and hair stylists, public liability insurance is not required legally but many businesses that serve members of the public think that this kind of 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 client 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: