Do You Need Hairdresser Insurance if You Work from Home?

By Dean Laming on July 20th, 2023

Mulling over whether to get hairdresser insurance for your home-based business? It’s a decision every professional faces, especially when navigating the complexities of legal requirements and potential risks. But without reliable hairdresser insurance, you may face big bills and reputational damage.

In this blog post, we’ll dive deep into the world of hairdresser insurance and offer guidance to ensure you’re thoroughly covered. Read on to learn more!

1. Home-Based Hairdresser Risks

Working as a home-based hairdresser has perks like flexible hours and convenience.

However, it also comes with risks that need to be considered. These risks include accidents resulting in injury or damage to property, potential legal claims due to professional mistakes or negligence, and the possibility of theft or damages to equipment.

To protect yourself from these risks and ensure you can continue your business without interruption, it’s essential to understand the different types of insurance available for home-based hairdressers.

2. Legal Responsibilities for a Hairdresser

As a professional providing services in the beauty industry, a hairdresser has certain legal responsibilities towards their clients.

Ensuring health and safety regulations are met is vital in this field. Additionally, maintaining proper hygiene practices and conducting thorough consultations with clients before performing any service is crucial.

Failure to meet these responsibilities could result in lawsuits against your business for damages caused by negligence or malpractice. Investing in adequate insurance coverage ensures financial protection against potential claims while keeping your reputation intact.

3. Types of Insurance for Home-Based Hairdressers

There are various insurance policies available for at-home hairdressers that handle different aspects of your work-related risks:

1. Professional Treatment Risk Insurance

This insurance policy covers you against claims made by clients who suffer injury or damage as a result of a treatment you have undertaken while you provide your services as a hairdresser.

This includes factors such as harmful reactions or improper use of products resulting in unsatisfactory results or injury.

Additionally, it’s important to know about the growth in hairdresser injury claims.

2. Public Liability Insurance

This type of cover protects you from third-party claims arising from injuries sustained on your premises (home) while receiving services or damage caused accidentally by you during treatments performed at clients’ homes. However, an uptick in public liability claims is typically considered a result of busy spaces.

3. Products Liability Insurance

Product liability insurance is a type of business insurance that covers the cost of compensation claims if someone is injured or their property is damaged by a product you’ve sold or supplied. This is especially relevant for home-based hairdressers who use or sell hair products such as shampoos, conditioners, hair dyes, and other treatments.

If a client has an adverse reaction to a product you’ve used during a treatment or a product you’ve sold them to use at home, they could potentially make a claim against you. This could occur when a product causes skin irritation, hair loss, or other damage.

Product liability insurance would cover the cost of legal and compensation fees in the event of such a claim. Without this insurance, these costs would have to be met by the hairdresser or their business, which could lead to significant financial hardship, especially for smaller, home-based businesses.

4. Business Contents Insurance

Working from home means storing expensive hairdressing equipment and tools in your house. Business contents insurance covers theft, loss, or damage to these items, ensuring you can quickly replace them without any significant financial strain on your business.

  1. Determining the Right Coverage

To determine the right amount and type of coverage needed for your specific situation as a home-based hairdresser, consider factors such as:

  • The value of your equipment and tools
  • The potential risk of accidents causing injuries or property damage
  • Your exposure to legal liabilities
  • Any additional endorsements or specialised coverages based on the unique aspects of your business

Choose Salon Saver for Freelance Hairdresser Insurance

Salon Saver is dedicated to providing low-cost core protection specifically suited for businesses like yours – allowing you to focus on growing and nurturing your passion without worrying about costly risks associated with running a home-based hairdressing venture. Through our no-fuss policies, we strive to exclude nobody from achieving their ambitions while offering peace of mind through comprehensive coverage tailored just for you.

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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