Do You Need Hairdressing Insurance If You Work at Home?

By Dean Laming on July 14th, 2023

No matter where you set up shop, be it a swanky salon or a cosy corner in your home, hairdressing has its risks. Home-based hairstylists may think they’re spared the burden of insurance, but that couldn’t be further from the truth.

In this blog post, we delve into every aspect of hairdressing insurance for home-based stylists. By exploring the importance of insurance and identifying potential hazards, we’ll guide you through everything from public and product liability to safeguarding your business assets. So, grab a cuppa and let’s learn about protecting your home hairdressing haven.

1. Understanding Home-Based Hairdressing

Home-based hairdressing is an increasingly popular career choice for many people looking to balance work and personal life more effectively. By setting up a salon in their homes, hairdressers can enjoy increased flexibility, reduced overheads, and the ability to create a personalised working environment.

However, running a home-based hairdressing business is not without its challenges. Numerous regulations and legal requirements must be met to ensure that you operate within the law and protect your clients’ safety and your financial interests. One of these crucial considerations is securing appropriate insurance coverage for your home-based salon.

2. The Importance of Insurance for Home Hairdressers

Having adequate insurance coverage is essential for any business owner but becomes even more critical when operating from home. This unique situation brings additional risks to consider when selecting the right policy.

Insurance protects you and your clients against potential damages resulting from accidents or negligence related to treatments performed in your home salon. It also provides peace of mind knowing that should anything go wrong, you have financial protection in place—helping you maintain business continuity while addressing any issues. Additionally, we should also observe the uptick in personal injury claims filed by clients.

3. Identifying Potential Risks and Hazards

As a home-based hairdresser, there are several risks and hazards associated with performing treatments on clients in a residential setting:

  • Slips, trips, or falls caused by wet floors or tangled cords
  • Burns from heated styling tools
  • Allergic reactions to products used during treatment
  • Injuries sustained during the cutting or styling process
  • Damages incurred by clients as they enter/exit your property

To manage these risks effectively, it’s essential to assess each potential hazard carefully to secure appropriate coverage levels within your chosen policy.

4. Public Liability Insurance: Protecting Your Clients

Public liability insurance covers claims against you if someone suffers an injury or their property is damaged due to your business activities. This type of insurance is vital for home-based hairdressers, as it offers protection against claims arising from accidents that could happen while clients are on your premises.

For example, if a client trips and falls over a power cord in your home salon, they may decide to sue you for damages. Public liability insurance would cover the costs of defending such claims—including legal fees and any compensation awards made to the claimant.

5. Treatment Risks and Insurance

Treatment risk insurance protects you against claims from treatments performed on clients in your home-based salon. This includes injuries sustained during cutting, colouring, or perming processes and allergic reactions or balding caused by products used during treatment sessions.

Securing appropriate coverage levels can help protect you and your clients in the event of an unfortunate incident occurring during the provision of services.

6. Product Liability Insurance: Safeguarding Against Product Mishaps

Product liability insurance covers claims made against you relating to products that have been supplied by your business—either directly or indirectly through third-party suppliers. If a client suffers an adverse reaction after using a product purchased at your salon, this coverage will protect you financially should they pursue legal action.

7. Covering Your Business Equipment and Stock

As a home-based hairdresser, ensuring that all equipment used within your salon—from styling tools to chairs and mirrors—is adequately insured against damage or theft is crucial. Additionally, securing sufficient coverage for stock items (such as shampoo bottles) helps protect you financially should these items be stolen or accidentally damaged during day-to-day operations.

8. Employer’s Liability Insurance: When You Have Employees

If you employ staff within your home-based hairdressing business, you’re legally required to hold employer’s liability insurance in the UK. This protects employees who suffer work-related illnesses or injuries while working for you, providing financial compensation and support during their recovery period.

9. How Home Insurance Differs From Hairdressing Insurance

Although your home insurance policy may cover certain aspects of a home-based business operation, it’s unlikely to provide comprehensive coverage for all potential risks of running a hair salon from your property. By securing specialist hairdresser insurance tailored to the unique needs of your industry, you can ensure that all necessary angles are covered—safeguarding both yourself and your clientele effectively.

10. Finding the Right Hairdressing Insurance Provider in the UK

When searching for an appropriate insurance provider in the UK, choosing a company that understands the unique challenges faced by home-based hairdressers and offers policies specifically tailored to their needs is essential. Salon Saver is one such provider, offering affordable core protection without unnecessary extras.

Choose Salon Saver

Salon Saver is the next evolution of salon insurance – designed to bring low-cost core protection to those businesses that know what they need and don’t want to pay for more than they have to. With a range of covers tailored specifically for home-based hairdressers in the UK, Salon Saver ensures your business remains safe and secure while allowing you to focus on delivering exceptional service experiences for clients within the comfort of your own home. Invest in quality coverage today so you can confidently pursue your entrepreneurial ambitions without fear of unforeseen setbacks derailing your success story down the line.

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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