Who needs hairdressers insurance?
No matter whether you run a franchise business with a number of salons, work as a freelancer, renting a chair in a salon, or work in your customers homes as a mobile hairdresser, you will need to ensure you have the right hairdressers insurance covers in place, reflecting the potential risks that you face.
Self-employed hairdresser insurance
If you are a self-employed hairdresser, it could be you work out of your own premises, rent a chair in someone else’s salon, or go from client to client as a mobile hairdresser. Depending on your circumstances, your insurance requirements will be quite different. For example, as a self-employed mobile hairdresser, it could be you simply need Public Liability cover to protect you from legal and compensation costs in the event that, for example you have damaged their floor or other property. You can extend your cover to protect you against claims for injury as a result of treatments, such as skin burns from bleaching.
Hairdressing salon insurance
No matter whether you are self-employed, or have set up a limited company, if you own or manage a salon, it’s likely that your insurance requirements will be more complex. You will need to think about Employers Liability cover – which is required where you have staff working for you – even if they are freelance, part time or casual. You may also need to think about building and contents cover – whether you rent or own the premises, it’s likely that buildings cover will be a contractual obligation with your mortgage provider or landlord.
Bespoke insurance and risk management programmes for all sizes of business
Other hairdressing insurance to consider
There are a range of further covers that you may need to consider and buy:
- Stock cover – where you retail products to clients to take home, from hair care and beauty products through to straighteners, you may wish to insure the stock you carry.
- Cash cover – Protecting you from financial loss in the event of theft from the till.
- Cyber liability insurance – Many salon’s run customer loyalty programs, meaning that they are storing customers details electronically. Even appointment setting requires the customers name and phone number. If this data were to fall into the wrong hands, you could face prosecution.
To compare hairdressing insurance quotes from a range of leading providers, or to discuss your requirements call Leanne Ellis or Ellie Conroy on 0345 365 2121 or email email@example.com or firstname.lastname@example.org
Hairdresser Liability Insurance
There is a range of liability insurance cover for hairdressers available. These include:
Public/Product Liability Insurance for hairdressers
Public liability isn’t a legal requirement, but highly likely to be a ‘must have’ for hairdressers. You are working with members of the public all the time. Public liability cover protects you from legal and compensation pay outs awarded in the event that a member of the public claims that they have suffered a loss or injury as a result of your work. You can also extend your policy to include cover for claims brought as a result of any of the treatments which you offer.
Employers Liability Insurance for hairdressers
If you have employees working under your control or management, even if they are only part time, casual, or freelance hairdressers renting a chair, you are required by law to have Employers liability insurance in place.
Buying hairdressers liability insurance shouldn’t be complicated. Call BJP today and we’ll be happy to discuss your requirements and get a range of hairdresser’s insurance liability quotes for you.
Why do mobile hairdressers need insurance?
Working as a mobile hairdresser presents a number of specific risks that you may wish to insure against whilst working within someone’s home. Have you considered what would happen if you spilt dye or bleach on their carpet or a treatment resulted in a scalp burn?
It’s highly advisable to think about the risks that you are exposed to – it’s likely that Public Liability insurance is essential for mobile hairdressers as this would provide cover for the above example where damage has been caused to the carpet and your policy will need to be extended to cover injury caused by treatments.
Need to get a mobile hairdressing insurance quote today? Speak to the BJP team now!
Why choose BJP Insurance to arrange your hairdressers insurance?
BJP Insurance Brokers is a leading Independent UK broker. We work with a wide range of insurers, offering a variety of covers. Our broking team have extensive knowledge and experience arranging hairdressers insurance and will take the time to understand your business circumstances before recommending appropriate covers and getting you a quote.
Talk to the BJP team today
For independent advice and fast quotes for your beauty salon insurance
Insure with us and you’ll also have access to value added services including:
- A dedicated account handling team ready to assist with any queries you may have.
- Full legal expenses cover included in case proceedings are raised against you.
BJP use a full fact-finding service to establish your full insurance demands and needs in order to offer you the most comprehensive insurance at the most competitive premiums. Our experienced broking team utilise a complete panel of insurers and utilise this service to provide further discounts to premiums.
BJP are an independent business insurance and commercial insurance broker. We specialise in obtaining insurance quotes from a wide range of different insurers to ensure that we get the best possible beauty salon insurance insurance cover at the best price. Our brokers have lots of experience in setting up Hairdressers Insurance to meet our customers’ requirements.
To receive a quote, or to seek advice from one of our insurance advisers about hair salon Insurance, please complete the enquiry form and we’ll be glad to assist you. An adviser will contact you within a working day to discuss your requirements. Or you can call us on 0345 365 2121 to obtain further information or for a full quotation to suit your needs.