How Much is Insurance for a Mobile Hairdresser?

As a mobile hairdresser, you juggle your clients, styling equipment, and travel plans like a pro. But have you given proper thought to protecting your business with the right insurance coverage? What about how much it costs, and what factors determine those costs?

In this article, we will explore the financial implications of affordable mobile insurance for hairdressers on the go. Read on to learn more.

Assessing Your Mobile Hairdressing Business Needs

Assessing your business needs and risks is crucial before diving into the specific types of insurance coverage for mobile hairdressers. Every mobile hairdressing business is unique and will require different levels of protection depending on factors such as the size of your staff, the services you offer, and where your clients are located.

Start by evaluating how much risk exposure your business has in terms of potential accidents, negligence claims, or damage to equipment. You’ll also want to consider any legal requirements for obtaining certain types of insurance in your area. This initial assessment will help you determine the necessary coverage to safeguard your business from unexpected financial setbacks.

Types of Insurance Coverage for Mobile Hairdressers

Several types of insurance may be relevant for a mobile hairdressing business:

Public Liability Insurance – covers third-party injury or property damage caused by incidents related to your work.
Professional Treatment Risk Insurance – protects against injury claims from professional advice or services.
Employers’ Liability Insurance – required if you employ staff members; this covers injuries sustained by employees while working.
Vehicle Insurance – covers accidents involving vehicles used in connection with the business.
Stock and Equipment Insurance – covers loss or damage to stock and equipment associated with the operation.

Factors Affecting Insurance Costs for Mobile Hairdressers

Insurance premiums vary depending on several factors, including:

Level of Risk Exposure: The more risk associated with a particular aspect of your work (e.g., using dangerous chemicals), the higher the premium.
Location: Operating in cities or densely populated areas may increase premiums due to greater potential for accidents and theft.
Size of Your Team: Larger teams generally lead to increased liability exposure as more people perform tasks that could result in claims being made against you.

Public Liability Insurance: Costs and Necessities

Public liability insurance is essential for mobile hairdressers, as it covers claims made by third parties who have been injured or sustained property damage due to your business activities. This type of coverage can help protect you from costly legal fees and settlements in the event of an accident.

The cost of public liability insurance varies depending on factors such as the size and location of your business, but typical premiums range from £50 to £300 per year. Ensure that the policy limits are sufficient to cover potential claims, with many businesses opting for a minimum limit of £1 million.

Professional Treatment Risk Insurance: Protection for Your Expertise

Professional treatment risk insurance protects against claims arising from injury caused by your professional advice or services. While not always legally required, this coverage can provide substantial protection if someone alleges that they suffered harm due to your negligence. For example, in the £17,000 bald spot case, a shocked mother-of-two sustained a severe burn on her scalp after her hairdresser applied bleach and left her under a heat machine to go out for a smoke.

Employers’ Liability Insurance for Mobile Hairdressers

If you employ staff members—even part-time—you’re legally required to have employers’ liability insurance in most countries. This coverage protects against potential injury-related costs employees incur during their working hours.

Employers’ liability insurance typically starts at approximately £120 annually but depends on factors such as staff numbers and previous claim history.

A case of an insurance claim denial is illustrated by Marc Antoni’s fight to keep his business afloat after his insurance claim was turned down.

Vehicle Insurance for Mobile Hairdressing Businesses

Having vehicle insurance is vital for mobile hairdressers since accidents involving vehicles used in connection with the business could lead to severe financial consequences without suitable coverage. Choosing a policy tailored specifically for commercial use rather than standard personal car policies is crucial—this ensures proper protection while transporting clients or equipment related to work activities.

Please note that Salon Saver does not provide motor insurance.

Stock and Equipment Insurance Options

Stock and equipment insurance cover loss or damage to items essential for your mobile hairdressing business, such as scissors or styling products. This coverage can help you recover costs associated with replacing damaged or stolen items more quickly and efficiently.

Premiums vary depending on the value of the equipment insured and any additional risk factors (e.g., operating in high-crime areas).

Tips on Finding the Best Insurance Deals for Mobile Hairdressers

When looking for insurance, consider these tips:

Shop around – compare quotes from multiple providers to find competitive rates.
Bundle policies – some insurers offer discounts when purchasing multiple types of coverage together.
Consider higher deductibles – voluntarily opting for a higher deductible may reduce premiums, but remember that this means paying more out-of-pocket if a claim arises.

The Bottom Line

Navigating the complex world of insurance as a mobile hairdresser can seem overwhelming, and the absence of the proper insurance could turn an unexpected event into a significant financial burden.

It’s clear that insurance for mobile hairdressers, while varying in cost, is an indispensable aspect of your business operations. By investing in Salon Saver mobile hairdresser insurance, you are not only protecting your business from potential setbacks, but also paving the way for its sustained growth and success.

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