Hairdressing insurance for your shop and scissors
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Insure your hairdressing business for liability with zero hassle
As a hairdresser, you are responsible for working closely with clients, using scissors, razors, and electrical styling tools, managing your salon or workspace, and handling potential liabilities related to the public and possibly employees, all of which require hairdressing insurance.
In partnership with some of the leading UK insurers, we’ll not only get you a better hairdressing insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a hairdresser.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a hairdressing liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is hairdressing insurance?
Hairdressing insurance is a public liability policy that protects hairdressers and grooming professionals against claims for injuries or property damage that occur in their shops or during their services. It ensures financial protection for hairdressers working with sharp tools and specialised equipment.
It covers a range of scenarios where your hairdressing business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to hairdressers for several reasons:
- Business reputation: Insurance reflects professionalism, enhancing trust with clients.
- Financial protection: Accidents, such as burns from styling tools or damaged client property, can be costly, and insurance provides protection.
- Client Requirements: Insured salons are more appealing to clients.
The benefits of a hairdressing insurance policy
Personal injury claims
Hairdressing insurance provides cover if a customer is injured during your services, such as a burn from a heated styling tool.
Damage to property
Accidental damage, like spilling products on a customer’s belongings or damaging their property, is covered under this policy.
Legal protection
Should you face a claim, hairdressing insurance covers legal expenses, offering peace of mind while you focus on your business.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does hairdressing insurance cost?
This depends on the nature and size of your hairdressing business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
Cover levels, typically starting at £1 million, affect premiums. Higher limits may be needed for larger shops or franchised operations.
Nature of business
Premiums may be higher for offering services like chemical treatments or extensions may raise costs due to increased risk.
Location
Where you or your salon operates can also influence premiums, with urban and high-crime areas often incurring higher costs.
Business size and turnover
A hairdressing salon with significant annual revenue might pay higher premiums, as a busy salon presents more opportunities for accidents.
Number of employees
The more staff members you employ, the higher your premiums could be, as each worker adds to the potential risk of claims.
Claims history
A claims history can influence pricing; hairdressers with a clean record often secure lower premiums as they’re seen as a lower risk.
Ready to start saving on your hairdressing insurance?
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