How to Make a Freelance Hairdresser Insurance Claim (Step-by-Step)

By Dean Laming on July 19th, 2023

Life as a freelance hairdresser can be unpredictable; accidents and mishaps leading to damage or loss of work equipment are inevitable. With a suitable insurance policy in place, dealing with such situations can be relatively stress-free. However, the challenge lies in filing a claim the right way, ensuring that your financial losses are duly compensated.

Our comprehensive guide will walk you through the process of making a freelance hairdresser insurance claim. Each step elucidates how to successfully navigate potential setbacks, enabling you to focus on what truly matters – your creativity and passion for your profession. Say goodbye to insurance-related worries and step into a safer, more secure journey as a freelance hairdresser!

1. Understand Your Freelance Hairdresser Insurance Policy

Before you can successfully make a claim, it’s essential to have a thorough understanding of your freelance hairdresser insurance policy.

Review your policy documents and familiarise yourself with the coverage provided, any exclusions or limitations, and your obligations as an insured party.

Specifically, pay attention to details regarding what types of damages are covered—such as theft, accidental damage, or natural disasters—and whether there is a limit on the amount you can claim for each type of incident.

Additionally, be aware of any excess payments you may be required to make when submitting a claim.

2. Gathering Evidence and Documentation

The sobering rate of claim denials in various industries is alarming.

This is why gathering all relevant evidence and documentation is vital if an incident requires an insurance claim. It’s crucial to be as detailed as possible—insurance companies need a complete picture of what happened to process your claim correctly.

This may include photographs of damaged equipment or premises before cleanup efforts begin; copies of police reports in cases involving theft or vandalism; receipts for replacement items; invoices from repair services; employee timesheets highlighting lost work hours; and any other pertinent records that help support your claim.

3. Assess the Damage to Your Work Equipment

To determine the extent of damage caused by the incident, it’s crucial to accurately assess each piece of equipment affected.

Make a note of anything that might require complete replacement versus merely needing repairs. This information will be vital in helping calculate accurate loss amounts later on during the claims process.

4. Determine the Loss of Earnings

As a freelancer, your income relies heavily on bookings and appointments, which can be directly impacted by equipment damage or business interruptions due to events such as property damage. Therefore, the importance of accurately calculating the losses incurred from missed work due to these unforeseen events cannot be overstated.

Consider factors like average daily earnings based on historical data (e.g., appointment fees) and potential revenue loss due to scheduling conflicts arising from out-of-pocket costs associated with securing temporary workspace if necessary.

All these elements should be factored into determining the financial impact following an insurable event.

5. Contact Your Insurance Provider

Once you’ve gathered all necessary documentation and have a clear understanding of your policy’s terms, it’s time to contact your insurance provider to report the incident and initiate the claims process. Be prepared to provide details about the event, outline any losses incurred due to damaged equipment or lost earnings, and answer any questions they may have.

6. Fill Out the Claim Form Accurately

Your insurance provider will most likely require you to fill out a claim form as part of the process. Carefully read through and complete this form, ensuring accuracy when providing information about damages sustained or financial losses suffered while staying within coverage limits outlined in your policy documents.

7. Compile and Submit Supporting Documents

Along with your completed claim form, you must also submit any supporting documents that help validate your claim—such as photographs of the damage, police reports (if applicable), receipts for replacement items or repairs made, employee timesheets evidencing lost work hours if relevant—among others mentioned earlier in this post.

8. Keep Track of the Claim Progress

Throughout the claims process, maintain regular communication with your insurance provider and stay informed about updates related to claim status or progress until resolved fully.

9. Negotiate the Settlement Offer

The settlement offer might not always align with the amounts initially submitted by you. Hence, it’s vital for you, as the insured party, to seek fair compensation.

If deemed necessary, you should negotiate before accepting the final payout amounts proposed by insurers.

10. Handling Claim Rejections and Disputes

If your claim gets denied, don’t worry. Talk to a lawyer well-versed in insurance claims. They’ll help you understand why the claim was rejected and ensure your rights under your policy are protected.

This is why it’s so essential to partner with a trustworthy insurer. An example of a rejected insurance claim is Marc Antoni’s struggle for survival after his business insurance claim was denied.

Similar to numerous businesses, Marc Antoni hairdressers sought to compensate for their revenue losses from the Covid-19 pandemic through business insurance.

Their insurers denied their claim despite the policy containing a clause that covers “inability to use the salon due to the restrictions imposed by the public authority during the period of insurance following an occurrence of a human disease.”

Choose Salon Saver

Some insurers make claiming feel like you’re pulling your hair out. And while an insurer needs to validate the facts, claiming shouldn’t be a painful experience.

You’ve paid your premiums. Now you need your insurance partner to be there when you need them the most.

At Salon Saver, we’ve built our claims process with that principle in mind. Our aim is to make hairdresser insurance claims straightforward and stress-free. You can lodge your claims online anytime, with swift response times being a top priority.

We understand that your time is best spent focusing on your clients, not dealing with insurance claims. So, when you need us, you can rest assured we’ll be there. Contact us today to learn more.

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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