How is Insurance for Hairdressers Different to Normal Business Insurance?

By Dean Laming on July 11th, 2023

Understanding the many different insurance needs is crucial for protecting your business. Hairdressers confront unique risks, such as styling mishaps or equipment damage, not covered by standard business insurance.

This article will outline the various aspects that differentiate hairdresser insurance from regular business insurance, ensuring you have the specific coverage you need.

1. Unique Coverage Requirements for Hairdressers

Hairdressing is a unique profession requiring specialised insurance coverage to protect the business and its clients. Unlike standard business insurance policies, hairdresser-specific coverage considers the risks associated with working close to clients, handling sharp tools and chemicals, and providing professional treatment advice. This tailored approach ensures that hairdressers receive adequate protection from accidents or mishaps.

2. Public and Employers’ Liability Insurance

Public liability insurance covers claims against your business due to injury or property damage sustained by third parties while on your premises or as a result of your work.

For example, if a client slips on spilt water in your salon and suffers an injury, public liability cover can help you manage financial repercussions. According to specialist insurers, when foot traffic increases, it generally leads to a rise in public liability claims.

Employers’ liability insurance is mandatory for businesses employing staff members in most countries. It offers protection against claims arising from employee injuries or illnesses caused directly by their employment.

Given the nature of hairdressing work—handling sharp scissors and potent chemicals—employers’ liability cover is vital in safeguarding staff members and salon owners. One case of an employee claim is that of a hairdresser in Melbourne, who blamed her sustained wrist injury on her hefty workload.

3. Treatment and Professional Liability Cover

Professional indemnity (also known as treatment risk) coverage protects hairdressers against claims resulting from treatments they perform on clients, such as cuts, colourings, extensions or chemical processes gone wrong.

This type of policy is essential for any beauty professional providing services that could cause harm or dissatisfaction to customers due to negligence or malpractice.

4. Mobile Hairdresser Business Insurance

Mobile hairdressers face unique risks not encountered by those working solely within salons; therefore, these individuals must secure appropriate coverage catered specifically towards their line of work—including public liability, professional indemnity, and equipment coverage.

5. Freelance Hairdressers and Salon Owners

Freelance hairdressers who rent chairs within a salon or own their business must ensure they have the necessary insurance coverage. These professionals should obtain public liability, professional indemnity, and employers’ liability protection (if applicable) to safeguard against potential claims from their work as stylists and business owners.

6. Equipment and Stock Coverage

Hairdressing businesses rely heavily on their tools of trade—such as scissors, styling products, and electrical appliances—which can be expensive to replace if lost or damaged. A specialised policy that includes equipment and stock coverage helps protect your investment by providing financial assistance to replace essential items needed for daily operations.

7. Business Interruption Insurance for Hairdressers

Unexpected events like floods, fires or vandalism may force your salon to close temporarily for repairs—causing a significant loss of income during downtime. Business interruption insurance compensates you for lost revenue while you’re unable to operate due to these unforeseen circumstances.

8. Personal Accident and Income Protection

Personal accident cover provides financial support if you’re injured in an accident related to your work—ensuring peace of mind knowing that bills can still be paid despite being unable to perform your duties as a hairdresser during recovery periods.

9. Legal Expenses and Regulatory Defence

Legal expenses insurance covers costs associated with defending yourself against legal claims brought by clients or employees—including compensation awards, court fees, and solicitor costs. This policy also pays for regulatory defence costs incurred when facing disciplinary action from industry regulators (such as health and safety investigations).

10. Rent Guarantee for Salon Owners

Rent guarantee insurance protects salon owners against loss of rental income due to tenants failing to pay rent on time—offering added security when leasing chair space within an establishment.

Need Hairdresser Insurance? Choose Salon Saver

As a hairdresser, you navigate a unique professional landscape with its own set of challenges.

Standard business insurance policies may not cover the specific risks associated with your line of work, such as treatment liabilities or specific equipment damage.

The coverage gap can expose you to financial and reputational harm if an unforeseen incident occurs.

Thankfully, there’s a tailored solution to shield you from these industry-specific risks—Salon Saver’s hairdresser insurance. By opting for this specialised insurance, you safeguard your business assets and secure your peace of mind.

Understanding the difference between hairdresser and regular business insurance is crucial in ensuring your business is adequately protected, so you can focus on what matters most—delivering outstanding service to your clients.

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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