Barber & Barber Shop Insurance - Get Yourself Covered Today

Get razor-sharp barbers' insurance for your business

When handling sharp objects and potentially hazardous products is part of the job, having the right insurance in place is crucial. Mistakes can happen, even to the most seasoned barber. If you accidentally cut or burn a client, you could find yourself facing a big compensation claim.

Luckily, you can safeguard your business with our specialist barbers' insurance. So if something goes wrong, and a client gets injured, we'll cover the costs you're liable to pay.

Our standard cover

Public liability

Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone's property. An example of this could include a customer slipping on a wet floor in your shop or office and hurting themselves, or causing damage while carrying out building works on a client's house.

This insurance also covers you if a customer or member of the public becomes ill or suffers an injury because of a product you have supplied. For example, if the heel snaps off a shoe someone has bought from you, causing them to fall over, or if a cupcake you sell at an event makes someone sick.

If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay. We can offer cover from £1 million to £10 million.
Read more about public liability
Treatments liability
Treatments liability insurance covers you if a client becomes ill or is injured because of a treatment you have performed. For example, if you accidentally cut a client whilst doing their hair.

Treatments covered as standard include:
- Washing, cutting, styling and drying of the hair, wigs or hairpieces
- Wet & dry shaving, including face massage
- Beard & eyebrow trimming or shaping
- Traditional Turkish ear hair flaming and nose hair waxing
Find out more about the treatments we can cover you for here.

Barber Insurance - optional extras

Employers' liability

Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

We cover you for £10 million, as standard. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you.
Contents and stock

Barbers would be lost without their tools; insure your gel, wax, razors and other equipment against theft, loss and damage with our contents and stock cover. You can also cover your other business essentials, like the chairs and computer in your barber shop.

Seasonal increase for stock

If you choose to insure your stock with Direct Line for Business, we'll give you a 25% cover increase for two months of your choice. This is in addition to the automatic cover provided 15 days either side of each bank holiday.

Property away

Always on the move? You can also insure your goods in transit. This means that when you're carrying expensive equipment from one venue to another, you're covered should they get damaged or stolen.
Premises Cover

Premises cover is important if you are based at home or own a barber shop. If there is an insured event such as a flood or fire at your premises and the building is damaged, our cover will pay for the costs of reinstatement or repairs.
Business interruption

Our business interruption insurance will cover you for reduced turnover if an insured peril, e.g. a fire or flood, damages your stock, equipment or premises, preventing you from trading.
Theft of takings

Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.
Legal expenses

This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.
Personal accident

Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

You can choose Personal Accident as an add-on once you've completed your quote.
Terrorism cover
If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents, and business interruption (depending on which covers you have taken).

This includes:
- the rebuild of buildings damaged beyond repair
- cover for damage or loss of your business contents, stock, and computer equipment, to help you get back up and running.
If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.

Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

Terrorism cover is only available for properties located in England, Wales and Scotland.

Terrorism insurance is optional, so an additional premium will apply.

You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.

Barber shop insurance

There's lots to think about when you own a barber shop: taking care of all those clients coming through the front door, keeping your products replenished, making sure your equipment is in good working order, looking after your employees.

We don't want your insurance to be another concern to add to the list. If you own a barber shop, you can choose to cover your services, your premises, your stock and your employees all under one policy.

Insurance for mobile barbers

Each day varies for a mobile barber - different clients, different locations, different requests. So, it's important to have a flexible insurance policy that can keep up with your world.

Whether you rent a chair in a barber shop, work from home, work at your clients' premises or a combination of the above, we can cover all your places of work under one policy. You also have the option to cover your business contents at home or on the move.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you've chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.

Barbers' insurance

Price beat guarantee

Get razor-sharp barbers' insurance for your business

Shape your own policy

Our standard cover

Public liability

Treatments liability

Barber Insurance - optional extras

Employers' liability

Contents and stock

Premises Cover

Business interruption

Theft of takings

Legal expenses

Personal accident

Terrorism cover

Learn more about barbers' insurance at Direct Line for Business

Barber shop insurance

Insurance for mobile barbers

Am I eligible for Direct Line for Business barbers' insurance?

Insurance for hair and beauty professionals

Policy documents

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