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Hairdressing insurance

12 months for the price of 10

When quoted online. New policies only. Introductory discount applied over the first 12 months. Other available discounts will be applied consecutively. Excludes Landlord and Van policies. Ends 3rd Nov 2021.

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Quotes valid for 30 days

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • Get 10% off business insurance if you're already a Direct Line customer.

    Discount applies to your new business policy. Discounts applied consecutively.

Public Liability Insurance for Hairdressers - Get your Quote Today

If you're a barber or a hairdresser, you know that making your clients look their best is vital for success. At Direct Line for Business we understand the importance of hairdressing insurance to your business.

There are a variety of risks businesses in the hairdressing industry face. These could be anything from staining a client's clothes with hair dye to a client having an allergic reaction to one of your products. So it's worth getting the right hairdressing insurance for your business in case the worst happens.

Whether you're a mobile hairdresser or a barber working in a salon, with our Hairdressing Insurance you can create a policy that's just right for your business' needs.

Just select the cover features that are right for your business using our new tool to create your own hairdressing insurance policy.

Get a quote
or call us on 0345 878 5606

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Read on to find out about some of the insurance features you can choose.

Our standard cover

  • Public and products liability insurance for hairdressers

    Whether you’re a mobile hairdresser, you have your own salon, or you’re a stylist who rents a chair in a salon, our policy gives you Public and Products Liability Insurance for Hairdressers as standard. This means you’re covered if a member of the public is injured or third party property is damaged due to your business.

    Accidents can happen in all industries and in most sectors there is the risk of being sued. If a client slips on a wet floor and suffers an injury while they’re visiting you, or if you damage the floor of their home by spilling dye on it, they can sue.

    Here, our Public and Products Liability Insurance is designed to pay your legal costs in defending the claim. It’ll also cover the compensation (up to your chosen limit) and claimants’ legal costs that you incur if you’re found to be at fault.

Hairdressing Insurance - cover options

To add some volume to your hairdressing insurance, we also provide cover for:

  • Hair and beauty treatments liability

    We provide hair and beauty treatments liability cover. The cover insures you in case a treatment you provide to your customers causes injury or illness. For example, if you cut a customer's head during a haircut.

    If you take out Treatments Liability cover, the following treatments come as standard depending on your profession.

    Description of cover Hairdresser Barber
    Washing, cutting, styling and drying of the hair, wigs or hairpieces
    Wet and dry shaving including face massage
    Beard and eyebrow trimming or shaping
    Traditional Turkish ear hair flaming and nose hair waxing
    Tinting, dyeing, bleaching, permanent waving or special treatment of the hair
    Attachment of hair extensions
    Eyebrow plucking, shaping, threading and tinting
    Eyelash curling, perming, tinting and eyelash extensions

  • Your building(s)

    If you insure your business premises where you work, as standard we'll give you equipment breakdown cover, which pays to repair or replace your boiler if it breaks down (excludes wear and tear). It also covers other built-in machinery like burglar alarms and air-conditioning systems.

  • Business contents and stock

    If you insure the business equipment that you use at your premises, such as washer/dryers and UV nail lamps, as standard we'll give you equipment breakdown cover. It pays to repair or replace your equipment if it breaks down (excludes wear and tear).

    If you're keeping stock, such as beauty products and styling tools, then this optional extra provides cover if an insured event happens, such as a break-in or a fire or flood damaging the stock. Maximum limits apply.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • 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.

  • Employers' liability

    There are a few exceptions but if you have employees then by law you need to have Employers' Liability Insurance. It covers your legal costs if they suffer illness or injury in the course of their work for you. Click here to read a guide which provides details of who is an employee and which organisations are exempt.

  • Business stock

    If you're keeping stock, such as hair care products and styling tools at your salon, then this optional extra provides cover if an insured event happens, such as a break-in or a fire or flood damaging the stock. Maximum limits apply.

  • 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.

Get a quote
or call us on 0345 878 5606

  • Call centres open Saturday and Sunday

    Busy making your clients look great Monday through to Saturday? Our call centres are also open weekday evenings until 8pm, 9am - 5pm on Saturdays, and on Sunday from 10am - 4pm.

    0% finance in the first year

    Plus, if you’d like to spread the cost of your policy in your first year with us you can pay monthly for your beauty insurance for no extra cost (Subject to status. 18s and over. 0% APR representative). There’s also no minimum premium amount for you to qualify for Direct Debit.

    No need to be a member of any guild or association

    Just starting out as a beauty therapist or beautician and want to get insured? You don't need to be registered with any associations or guilds to take out our Beauty Insurance. All we ask is that you’re appropriately qualified for the treatments you're carrying out.

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Get a quote
or call us on 0345 878 5606

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.

Frequently asked questions

  • 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. So, if you have your own cover you can relax and get on with job.

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

  • No matter how rarely you cut hair, while at work you’re facing largely the same risks as other hairdressers. So, if you do have insurance you’re covered in the event that a customer sues you if you cause damage 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’s needs.