Is Hairdresser Insurance Mandatory in the UK?

By Dean Laming on July 23rd, 2023

Each satisfying smile after a haircut, each thrilled reaction to a new hair colour—these moments of client satisfaction are the daily experiences that make your career as a hairdresser exciting and fulfilling.

But there’s a flipside: what if something goes wrong?

You can safeguard your work and peace of mind with the right hairdressing insurance. Even if it’s not legally mandated in the UK, it’s your shield against the unforeseen, the unexpected, and the unfortunate.

In this article, we’ll explore the importance of insurance as a fundamental tool for your business, demonstrating how it can mean the difference between restless nights and peace of mind.

1. Legal Requirements for Hairdressers In the UK

Knowing your profession’s legal requirements is vital as a hairdresser in the United Kingdom. This includes understanding the licensing and certification requirements and any mandatory insurance policies you may need to have in place. One key aspect of these legal obligations involves acquiring the right insurance coverage for your business.

2. Mandatory Vs. Non-Mandatory Insurance Policies

Several insurance policies are relevant to hairdressing businesses in the UK, but not all are legally required or compulsory for every salon or professional. While certain forms of liability insurance, such as employers’ liability coverage (if you employ staff), are indeed mandatory by law, others, like public liability or treatment risk insurance, are optional—though highly recommended.

3. Benefits of Holding Hairdresser Insurance

Despite not all being legally required, holding adequate hairdresser insurance provides several benefits for both salon owners and individual professionals alike:

  • Protection from financial loss due to claims made against your business
  • Coverage for potential damages arising from accidents involving clients
  • Peace of mind knowing that you have taken steps towards safeguarding your livelihood
  • Demonstrating professionalism and responsibility towards client safety

4. Types of Hairdresser Insurance Policies Relevant to the UK

There are various types of hairdressing-related insurance policies on offer within the United Kingdom market:

  • Employers’ Liability Insurance: As mentioned earlier, this type of coverage is mandatory if you employ staff members.
  • Public Liability Insurance: Optional but strongly advised—covers claims made by clients or members of the public who suffer injury or damage while on your premises.
  • Treatment Risk Insurance: Covers claims arising from services performed, such as haircuts, colour treatments, and other salon activities.

5. Employers’ Liability Insurance: Is It Mandatory for Salon Owners?

Yes, employers’ liability insurance is a legal requirement for all UK businesses that employ one or more staff members—including hair salons and beauty parlours.

This type of coverage ensures financial protection if an employee sustains injury or illness. Unsurprisingly, you can be heavily fined if you don’t have employer’s liability coverage.

6. Public Liability Insurance: Protecting Your Business From Claims

Although not legally required, public liability insurance is highly recommended for any business offering services to the general public—including hairdressing establishments. This coverage protects against claims made by clients who may suffer injury or property damage during their visit with you.

7. Treatment Risk Insurance: Coverage for Services Performed

Treatment risk insurance is another optional yet valuable insurance specific to hairdressers. This policy protects against potential claims arising from the services provided—such as haircuts, colouring treatments, and chemical applications—ensuring financial security should an issue arise, such as an allergic reaction or hair loss.

8. How to Choose the Right Hairdresser Insurance Policy in the UK

When selecting an appropriate insurance policy for your hairdressing business:

  • Assess your individual needs based on factors like location, number of employees (if any), and types of services offered
  • Compare multiple quotes from various providers to ensure competitive pricing
  • Seek professional advice if unsure about which policy best suits your situation

9. The Consequences of Not Having Adequate Hairdresser Insurance

Failure to maintain adequate levels of relevant insurance policies can result in severe consequences for both individuals and businesses operating within the UK’s hairdressing industry:

  • Financial loss due to uncovered claims
  • Damages awarded through court judgments (which could lead to bankruptcy)
  • Reputational harm
  • Possible legal penalties for failure to comply with mandatory insurance requirements

10. Frequently Asked Questions About Hairdresser Insurance in The UK

Are self-employed hairdressers required to have insurance?

While not legally mandated, it is highly recommended that self-employed professionals maintain adequate coverage for their hairdressing activities.

Is employers’ liability insurance required if I only employ freelancers or part-time staff?

Yes, employers’ liability insurance remains a legal requirement as long as they work for you and you pay them wages.

Salon Saver Hairdresser Insurance

Operating as a hairdresser in the UK without adequate insurance is risky.

Every day, you face the potential of clients reacting to products, injuries where you work, or dissatisfied customers seeking financial redress for services rendered.

Fortunately, you can protect yourself from these pitfalls by investing in comprehensive hairdresser insurance. This critical safety net is not currently mandated by UK law but is a smart business move. Contact Salon Saver today–for your peace of mind, and your business.

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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