What Does Hairdresser Insurance Cover? A Comprehensive Guide

By Dean Laming on July 7th, 2023

Hairdresser insurance cover is a specialised business insurance designed to protect hairdressing professionals and salons from unexpected financial losses that could arise due to various reasons, such as accidents, legal disputes, or damage to property and equipment. Hairdressers face unique risks in their line of work, making it crucial to have the right coverage.

In this comprehensive guide, we will explore all aspects of hairdresser insurance—the types of coverage available, tips on choosing the best provider for your needs, and how you can tailor your policy based on your specific requirements.

Professional Treatment Risk Insurance for Hairdressers

Treatment risk insurance is designed specifically for professionals like hairdressers who offer various treatments to clients. It protects you financially in cases where a client suffers an adverse reaction due to products used during their appointment or if they sustain an injury while receiving treatment at your salon.

Working as a hairdresser involves the potential risk of facing grievances from clients who argue that negligence or poor service caused them harm. There has even been a case where a hair salon was slapped with a £1m legal suit.

Public Liability Insurance in Hairdressing

Public liability insurance covers claims by third parties for injuries they sustain or damage caused to their property while on your salon premises. This type of policy also protects against cases where someone slips and falls inside your salon resulting in an injury that leads them to claim you.

Public liability insurance not only safeguards you financially but also gives you peace of mind knowing that you will be covered adequately if anything untoward happens at your salon.

Employers’ Liability Insurance for Hairdressing Salons

Employers’ liability (EL) insurance is mandatory under UK law if you employ staff. This cover safeguards employees and employers from potential accidents leading to lost wages and medical expenses incurred by employees due to injuries sustained on the job.

EL insurance also covers legal costs for defending your salon against claims made by injured employees who may feel they were unfairly treated or seek compensation for their losses.

Business Property and Equipment Cover

Insurance policies that cover business property and equipment are essential in protecting the assets of your hairdressing salon, including fixtures, fittings, stock, and tools.

This type of coverage ensures that should any damage occur to these items—for instance, from a fire or flood—you can replace or repair them without bearing the entire financial burden yourself.

Legal Expenses and Representation Costs

Legal expense coverage is vital when protecting your hairdressing business from potential lawsuits arising from employee disputes, tax investigations, or contract disagreements with suppliers.

This type of policy assists you by covering attorney fees and other legal representation costs incurred throughout proceedings—saving you money while helping ensure a fair outcome for all parties involved.

Personal Accident and Sickness Cover

Hairdressers often rely on their physical health and well-being to carry out their day-to-day tasks efficiently; therefore, personal accident and sickness coverage become paramount for safeguarding against loss of income from illnesses or accidents that temporarily keep you away from work.

Business Interruption Insurance for Hairdressing Salons

Unexpected events like floods or fires, for example, can force salons to close temporarily, leading to substantial financial losses due to lost revenue and ongoing expenses such as rent and staff wages still needing payment regardless.

Business interruption insurance offers protection against this risk so that should anything happen to force your salon to close, you won’t be left in dire financial straits.

Seasonal Increases and Event Coverage

Salons often experience a spike in demand during festive seasons and special events like weddings. Insurance policies that cater to this phenomenon enable you to increase coverage for stock and equipment temporarily while also covering any additional staff hired during these busy periods.

Tailoring Coverage for Hairdressing Freelancers and Mobile Stylists

Freelancers and mobile hairdressers face unique risks compared to salon-based stylists, so they need to tailor their insurance coverage accordingly by including aspects such as public liability, professional indemnity, personal accident cover, and so on, depending on their specific requirements.

Combining Hairdresser Insurance With Beauty Therapist Policies 

Many salons provide beauty therapy services alongside hairdressing; combining both policies under one insurer can save you time and money while ensuring consistent protection across all business areas.

Regularly Review and Updating Your Insurance Plan 

It’s essential to review your insurance policy regularly—ideally at least once a year—to remain up-to-date with any changes in your business operations or new risks that have developed over time.

Choose Salon Saver

A comprehensive hairdresser insurance policy acts as your safety net, shielding you and your business from unforeseen setbacks. With your new in-depth understanding of what hairdresser insurance covers, you can make informed decisions to safeguard your passion, craft, and livelihood. Because insurance isn’t merely about managing risks; it’s about ensuring the ongoing success of your salon, allowing you to focus on growing your client base while remaining worry-free.

Take a look through our other blog posts, or our hairdresser insurance page, 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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