Hairdressing, barber & salon insurance

If you're a self-employed hairdresser working in a salon, you could be liable for accidents that result in damage to a member of the public's property or injury to a customer. Having your own cover means you can relax and get on with making your clients happy.

No. Our liability insurance only covers you for injury to people and damage to third party property.

No matter how rarely you cut hair or carry out salon treatments, while at work you're facing largely the same risks as other hairdressers, barbers, and salon professionals. It's important for part-time, self-employed, and freelance hairdressers to have insurance, to ensure you're covered in the event that a customer sues you if you cause damage to their property, or injure them while working.

The cost of hairdressing insurance depends on a wide range of factors. These include whether you work in customers' homes, in your own salon, or rent a chair, along with what cover features your business needs. The surest way to find out what you can expect to pay for your cover is to get a quote, either online or by giving us a call, and talking over what you need to insure.

Yes, as long as you select treatments liability cover, tell us which treatments you provide, and are qualified to perform these, treatments liability cover would cover you if a client decided to sue you for damaging or burning their hair or scalp. It would also cover trainees performing the treatments, as long as they are under the direct and continuous supervision of someone qualified to carry out the treatment.

The covers included in your policy will depend on the cover you need for your business. If you get a quote online, or give us a call, we'll guide you through and tell you which options are available for you to choose from. You can then tailor your cover to your business needs.

Hairdressers and barbers often recommend and sell products to clients that will help them get that salon-quality finish at home. Product liability ensures you're covered for cosmetic products or products of any kind that you sell or give to your clients. The cover, which comes as standard alongside public liability, insures you against compensation claims for supplying products that make clients ill or damage their property.

To be eligible to take out a barbers' insurance policy with us, you must hold the relevant qualifications for your profession. Any employees not holding relevant qualifications must be supervised at all times.

The cost of salon insurance depends on a variety of factors. Rather than looking for an average figure which may differ hugely from your actual premium, it's best to get a quote online or call our team for a chat about what you need.

Salons are typically busy, with staff and customers interacting in a place where there are sharp objects and hazardous chemicals. Plus, accidents happen in all industries, so public liability insurance for hairdressers is highly recommended if you want to make sure you're covered.

Also, if your salon employs staff, by law you must have employers' liability cover.

Our employers' liability cover would insure you for compensation claims against you from an intern or work experience student. Public liability would also cover relevant claims from third parties against students and interns working at the salon. Treatments liability will cover you for treatments carried out by your students or interns providing that they are under the direct and continuous supervision of another person who holds that relevant treatment qualification.

Yes, if you take out the right cover. Business contents would cover theft of such items as hairdressing chairs and treatment tables. For your stock, business stock would be the insurance you'd need. Maximum limits apply.

You would need to choose business contents to cover any accidental damage by customers.

Yes, our business interruption option will cover your business if you can't trade because of an insured cause, such as a flood or fire, at your salon. You can choose the level of cover that suits your business's needs.

Yes, of course. You can put all of your salons on one policy, making it easy to keep on top of your insurance. You can add salons at any time during the term of your policy. So if you want to wait for the insurance on one of your other salons to expire before you add it to your Direct Line for Business insurance policy, you can.

For hairdressers and beauty therapists who work on the move, the cost of insurance depends on a wide range of factors, and because you can tailor your insurance to your needs, there's no 'one size fits all' premium amount.

This means that the only way to get an accurate idea of how much your mobile hairdressing or beauty insurance policy will cost is to get a quote.

Even if clients aren't visiting your premises, public liability insurance for self-employed hairdressers still covers many of the risks you face. Working in customers' homes means there's still expensive damage that could occur should an accident happen.

If you're qualified for the services you provide, optional treatments liability cover will cover you against compensation claims for the hair and beauty treatments on this list that you've chosen to insure.

If you employ anyone in your mobile hairdressing or beauty business, you're required by law to have employers' liability Insurance.

Remember also that your existing vehicle insurance policy probably won't cover you for business use. You'll need to add in commercial use to your policy or take out business van insurance.