8 Essential Facts About Hairdresser Insurance: Understanding Your Coverage

Running a hairdressing business is no easy task. And ensuring it stays a cut above the rest means mastering various aspects—including insurance.

If you’re a hairdresser without adequate insurance, the truth is that you are exposing yourself (and others) to risks. As a result, understanding the specifics of hairdressing insurance and the repercussions of not having insurance is crucial.

Our goal at Salon Saver is to help you grasp the nuances of reliable hairdressing insurance and the potentially costly ramifications of not having it.

1. Types of Hairdresser Insurance: Tailoring Your Policy

One size doesn’t fit all when it comes to hairdresser insurance. Due to their unique circumstances, some hairdressers may need more comprehensive coverage.

Evaluating your specific business needs and tailoring a policy that adequately covers potential risks is essential.

Some common types of hairdresser insurance include professional indemnity, public liability, employers’ liability, equipment and stock cover, business interruption insurance, and personal accident cover.

2. Professional Treatment Risk: Protecting Your Reputation

As a hairdresser, you risk receiving complaints from dissatisfied customers who claim damages resulting from negligence or improper service delivery. There was even an incident where a hair salon faced a £1m lawsuit following a stroke claim.

Professional treatment risk insurance offers protection against such claims by covering legal fees involved in defending yourself against these allegations.

Additionally, indemnity coverage is a financial shield during litigation proceedings or when compensating clients for losses due to alleged misconduct. It also helps maintain customer trust and mitigates the negative impact on future business prospects arising from disputes over unsatisfactory outcomes.

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3. Public Liability Insurance: Safeguarding Your Salon

Public liability insurance is crucial for hairdressers because it protects them against financial consequences if a client suffers injury or property damage while getting their hair done. For example, if they slip on spilt water in the salon you offer your services in or have their coat accidentally burned by a hair straightener while you’re at their home, public liability insurance has you covered.

And as you would imagine, this type of coverage ensures peace of mind knowing that injured parties will be taken care of if they file a compensation claim.

In essence, public liability insurance allows you to focus on delivering top-notch services without worrying about potential financial setbacks resulting from accidents while you work.

4. Employers’ Liability Insurance: Meeting Your Legal Obligations

Employers’ liability insurance is a legally required type of coverage for businesses in most jurisdictions that employ staff members. It protects the employer and employees by providing compensation if an employee suffers a work-related injury or illness.

In the hairdressing industry, where handling potentially hazardous chemicals and sharp tools are commonplace, ensuring your employees’ well-being is paramount—not just morally but also legally under national labour laws governing employers’ obligations towards their workforce’s health and safety.

5. Equipment and Stock Cover: Replacing Valuable Assets

Hairdressers rely heavily on high-quality equipment like scissors, clippers, and styling chairs and stock items such as shampoos, conditioners and toners for their day-to-day operations.

Having adequate equipment and stock cover is vital in ensuring business continuity should theft or damage occur, which results in costly replacement expenses.

This insurance helps protect against loss of income due to unforeseen circumstances that lead to missed appointments or decreased productivity—ensuring business owners can continue serving clients with minimal disruptions during challenging times when critical assets must be replaced urgently.

6. Business Interruption Insurance: Securing Your Income

Unexpected events like natural disasters, fire incidents or even extended power outages may force your salon to temporarily shut down its operations through no fault of yours—causing significant loss of income while overheads remain due regardless.

Business interruption insurance provides financial relief by compensating for lost revenues during these unforeseen closure periods until normal operations resume.

7. Personal Accident Cover: Safeguarding Your Future

If you were unable to use your hands, what would you do? Your hands and fingers are your most valuable tools, and coverage is now offered for compensation in the case of loss of the hand or fingers or loss of use brought on by an accident occurring during your line of work.

Salon Saver offers personal accident cover for:

Personal Accident – for hands only
Personal Accident – full cover (not limited to hands only)
Individual Personal Accident (& Sickness) Separate Policy

8. Choosing the Right Insurance Provider

When picking an insurance provider, you want to choose a company that’s as dependable and dedicated as you are to your clients. Ultimately, you deserve someone who’s got your back.

By choosing Salon Saver, you’re not just selecting an insurer but a partner who cares about your success. With over 20 years of industry experience, our in-depth knowledge sets us apart, offering you an unmatched level of expertise.

We focus on providing only the core coverage you need, ensuring you never pay for unnecessary extras. There’s no need to present qualifications; your coverage starts instantly upon purchase.

The Bottom Line

You may feel that unusual events at work won’t happen to you, but life doesn’t always go as planned.

If you’re a hairdresser without proper insurance, you’re taking a significant risk. Unexpected situations can cost you a lot of money and stress, and even force you to stop working.

This is why learning about hairdressing insurance is essential. Our goal at Salon Saver is to help you understand the specifics of hairdressing insurance and the expensive consequences of not having protection.

Remember, having rock-solid hairdresser insurance helps protect you and your job from things that can go wrong. Ultimately, not having reliable hairdresser insurance can be the difference between a minor hiccup and losing your business.

Never underestimate the value of dependable hairdressing insurance—it could mean the difference between a minor setback and a career-ending disaster.

Dean Laming

Dean Laming is a Chartered Insurance Broker with more than 25 years insurance experience. Through various underwriting, operational and management roles, Dean has built up extensive knowledge of the hair and beauty sector and is now Managing Director of Salon Saver, part of the wider Henry Seymour Group.

All articles by Dean Laming