Do Professional Hairdressers Need Hand Insurance?

By Dean Laming on July 24th, 2023

A hairdresser’s hands are their most valuable assets. But is it really necessary to insure them?

This comprehensive blog post delves into the significance of hand insurance for hairdressers, evaluates risks in the industry, and explores coverage options. We’ll guide you through the process of comparing providers, making a claim, and more to showcase the benefits of hand protection. Empower yourself with knowledge and safeguard your indispensable tools!

1. Importance of Hand Insurance for Hairdressers

As a professional hairdresser, your hands are your most essential tools. They allow you to cut, style, and create beautiful client transformations.

Consequently, any injury or illness that affects your hands can significantly affect your career and personal life. This is why hand insurance is an essential safeguard against unforeseen incidents that may impact your ability to work.

Salon Saver’s hand insurance provides financial compensation in case of accidents or illnesses affecting the fingers, thumbs, wrists or other hand parts vital to performing hairdressing tasks effectively.

This form of specialised coverage ensures that hairdressers receive appropriate support during difficult times when they might struggle to meet their financial obligations due to loss of income resulting from hand-related issues.

2. Evaluating the Risks and Hazards in the Hairdressing Industry

The hairdressing industry has potential risks and hazards that could negatively affect a stylist’s hands. These risks include exposure to chemicals found in products like dyes and perms; cuts from sharp tools such as scissors or razors; repetitive strain injuries from prolonged use of equipment like blow dryers; burns caused by hot styling tools like curling irons; infections triggered by unsanitary conditions in salons; and slips or falls leading to fractures or dislocations.

Awareness of these risks helps emphasise the importance of obtaining proper insurance coverage designed specifically for professional hairdressers who rely on their hands for their livelihoods.

3. Potential Injuries and Illnesses Affecting Hairdressers’ Hands

Hairdressers face several possible injuries and illnesses affecting their hands, including tendonitis (inflammation of tendons), carpal tunnel syndrome (nerve compression at wrist level), skin irritation due to chemical exposure (dermatitis), bacterial infections like staphylococcus aureus infection (MRSA) contracted through contaminated surfaces in salons, and even more severe issues like finger amputations due to accidents with sharp objects.

These injuries and illnesses can result in time away from work, difficulty performing everyday tasks, costly medical bills, and the potential loss of clients if hairdressers cannot provide services for extended periods.

4. Financial Implications of Hand Injuries for Hairdressers

The financial implications of hand injuries for hairdressers can be daunting. Medical expenses related to treatment, rehabilitation and possible surgeries can quickly increase. Additionally, loss of income during recovery may strain personal finances or threaten professional stability as clients find alternative service providers.

Hand insurance helps alleviate the financial burden by providing compensation that covers medical costs and replaces lost income. This enables hairdressers to focus on recovery without worrying about mounting expenses or client attrition.

5. Hand Insurance: Coverage Options and Features

Hand insurance policies available for hairdressers typically include coverage for accidental injury or illness resulting in permanent disabilities such as loss of limb function or amputation; temporary total disablement (TTD) caused by injury or illness where the insured cannot perform their usual occupation; partial disability benefits following a period of TTD; hospitalisation allowance covering daily hospital stays incurred due to covered incidents; and rehabilitation benefits assisting with physical therapy sessions or vocational training required post-injury.

When selecting a policy, it’s essential to scrutinise its features—including waiting periods before claims become eligible—and compare different plans based on your unique needs as a professional hairdresser.

6. Comparing Hand Insurance Providers in the UK

Several hand insurance providers operating within the UK market offer specialised policies tailored specifically toward professionals like hairdressers who rely heavily on their hands for their livelihoods.

To compare providers effectively, consider policy coverage, waiting periods, premium rates, claim processing times, and customer reviews.

7. Assessing the Cost of Hand Insurance for Hairdressers

The cost of hand insurance for hairdressers varies depending on factors such as the level of coverage desired, personal details like age or occupation-related risks, and the specific provider selected. Premiums can range from a few hundred to several thousand pounds per year.

It’s crucial to balance affordability with adequate protection when choosing an insurance plan that ensures optimal financial security in case of unfortunate incidents impacting your hands and career.

8. How to Make a Claim: Steps for Hairdressers

To make a claim under a hand insurance policy:

  • Report the incident immediately to your insurer.
  • Gather any documentation required by your insurer (e.g., medical reports).
  • Complete claims forms provided by your insurer accurately and thoroughly.
  • Monitor your claim’s progress and follow up regularly until it is resolved satisfactorily.

9. Preventative Measures to Reduce Hand-Related Risks

Implementing preventative measures reduces the likelihood of hand injuries or illnesses among hairdressers. Some helpful tips include maintaining proper hygiene; using protective gloves while handling chemicals; employing safe handling techniques for sharp tools; taking regular breaks during long workdays to minimise repetitive strain injuries; ensuring salon equipment is well-maintained; wearing appropriate footwear to prevent slips or falls; and seeking prompt treatment for emerging issues like tendonitis or carpal tunnel syndrome.

Choose Salon Saver

Hand insurance offers a safety net to protect your most important assets. It ensures you’re not left with financial strain and career uncertainty if something unforeseen occurs.

Insurance is a small investment in exchange for peace of mind and financial security, allowing you to focus on what you do best—creating unique hairstyles for your clients, confident that your hands are protected.

Salon Saver is the next evolution of salon insurance. A new wave that excludes nobody from achieving their ambitions. Our insurance policies are strictly no-fuss – they don’t have all the same bells and whistles, but what they do have is all the core covers that you need to keep your business safe. And that’s what really matters. Our objective is simple; to bring low-cost core protection to those businesses who know what they need and don’t want to pay more than they have to.

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

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