Do You Need Insurance as a Mobile Hairdresser?

By Dean Laming on July 10th, 2023

Dashing from client to client, mobile hairdressers enjoy the flexibility and freedom of running their own businesses. However, unforeseen accidents and liabilities can quickly snip away at their success, potentially leaving them with a tangled mess. As a mobile hairdresser, do you have the necessary insurance to protect your business and stay a cut above the rest?

This blog post details the various insurance policies specifically tailored for mobile hairdressers. It covers public and product liability insurances, professional indemnity, and explores essential policies like personal accident and injury cover—and much more.

1. Assessing the Risks for Mobile Hairdressers

As a mobile hairdresser, you provide services to clients in their homes or other preferred locations. While this business model offers flexibility and convenience for you and your clients, it exposes you to several risks that could potentially harm your business.

These risks can stem from accidents, property damage, personal injuries, employee issues, or product-related incidents.

To protect your business and maintain a positive reputation among your clientele, assessing these risks thoroughly and determining the appropriate insurance policies to safeguard against potential mishaps is essential.

2. Types of Insurance Policies for Mobile Hairdressers

Various insurance policies are available for mobile hairdressers. And each policy addresses specific risks associated with running a mobile salon business.

Here are some common types of insurance that may be relevant for mobile hairdressers:

Public Liability Insurance: Protecting Your Clients

Public liability insurance is essential for any professional who interacts with the public as part of their work—including mobile hairdressers. This coverage protects you from financial losses caused by third-party claims arising from accidental injury or property damage caused while providing client site services.

For example, if you accidentally spill chemicals on a client’s expensive carpet while colouring their hair and cause irreparable damage, public liability insurance would help cover the repair or replacement costs associated with the incident.

Professional Treatment Risk Insurance: Coverage for Mistakes

Professional treatment risk insurance covers claims related to injury to clients caused by the service provided by professionals like yourself as mobile hairdressers. It’s equally crucial to be aware of the increase in injury claims, including those resulting from hair dye irritations that have amounted to as much as £35,000.

In cases where a customer experiences dissatisfaction due to poor quality work (e.g., an uneven haircut) or alleges that incorrect advice led them towards purchasing unnecessary products/services, resulting in financial loss; this policy protects against legal fees and compensation costs stemming from such disputes.

Product Liability Insurance: Ensuring Product Safety

As a mobile hairdresser, you’ll likely use various products such as shampoos, conditioners, styling gels, and hair dyes while providing services to your clients. Should any of these products cause harm or injury to customers due to allergic reactions or defects, product liability insurance will protect you against third-party compensation claims.

Employers’ Liability Insurance: Responsibility for Employees

Employers’ liability insurance is a legal requirement if you employ staff members for your mobile hairdressing business—whether they are full-time employees or subcontractors.

This policy covers compensation claims arising from employee injuries sustained during their work for your business.

Personal Accident and Injury Cover: Securing Your Income

Injuries can happen unexpectedly and leave you unable to work temporarily or permanently.

Personal accident and injury cover provide financial support during the recovery period to safeguard against the potential loss of income in case of injury that prevents you from performing your job as a mobile hairdresser.

3. Equipment and Stock Insurance: Safeguarding Your Tools

Tools and equipment are vital to your trade as a mobile salon professional. Damage or theft could mean significant losses and disruption to your business operations.

Equipment and stock insurance provide coverage for replacing essential items such as scissors, combs, brushes, hairdryers, straighteners/irons etc., ensuring that unforeseen damages don’t disrupt daily activities too much.

4. Business Interruption Insurance: Preparing for Unforeseen Events

Unplanned events like natural disasters (e.g., flooding) or extended illness can interrupt normal business operations causing unnecessary stress on finances due to downtime losses in revenue generation potential; this is where business interruption insurance steps in by helping cover ongoing expenses (rent/utilities/salaries) until normal service resumes.

5. Finding the Right Insurance Provider for Mobile Hairdressers

Selecting the appropriate insurance provider is crucial. Research various companies specialising in providing coverage for mobile hairdressers, focusing on their reputation, claim handling process, and commitment to customer service.

Choosing the right provider is ultimately about finding a team that cares as deeply about your success as you do. With Salon Sver, you get an ally in your corner, not just an insurance company.

Our team prides itself on serving you with the right coverage, not piling on pricey add-ons you don’t need. With us, you can be confident, knowing that whatever comes your way, you’re ready for it.

Check out our Trustpilot rating and client reviews—we bring two decades of industry wisdom, and our knowledge is second to none.

6. Evaluating Policy Costs and Benefits: Comparing Insurance Plans

Evaluating each policy’s costs and benefits before finalising your decision is essential.

Compare plan features (coverage limits/exclusions/deductibles etc.) against premiums charged while considering factors like financial stability and track record of settling claims promptly/fairly; this will enable you to strike a balance between adequate protection at affordable pricing.

7. Staying Updated: Reviewing and Renewing Your Insurance Policies

As your business grows or undergoes changes over time—such as adding new services/employees/locations—insurance coverage must keep pace with these developments ensuring continuous protection against evolving risks.

For this reason, it’s vital to keep checking your mobile hairdressing policy regularly.

Salon Saver Mobile Hairdresser Insurance

Salon Saver is the next evolution of salon insurance that promises low-cost core protection without sacrificing quality for those businesses who understand what they need and don’t want excessive bells & whistles on their policies. By thoroughly assessing potential risks associated with operating a mobile hairdressing business and securing appropriate insurance coverage tailored specifically towards addressing these unique challenges; you can confidently offer professional services knowing that should unforeseen events occur – there’s an effective safety net in place safeguarding both clientele assets alike!

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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