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Hairdressing Insurance

Personalised hairdressing insurance for your business.

or call us on 0345 301 4827


Quotes valid for 30 days

salon services

Celebrate your new hairdressing policy with a £50 Salon Services gift voucher. Find out more here.

Get a personalised hairdressing insurance quote

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 £50 Salon Services gift voucher when you take out any Hair and Beauty Insurance Policy

We’ve partnered with Salon Services to give you a £50 gift voucher when you take out any Direct Line for Business Hair and Beauty Insurance policy.

Here's how it works:

  1. Create your personalised policy.
  2. You will receive your £50 Salon Services voucher 30 days after your policy's start date.
  3. You can then use it as you wish in-store.
  • New customers only. One gift voucher per customer. Offer extended to 31st December 2017. Your Salon Services gift voucher will be sent 30 days after your policy start date. For full T&C's click here.

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

Our standard cover

  • Public and product 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 (your salon), 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

    If you insure the business equipment that you use at your premises, such as washer/dryers and hair processors, 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).

  • Theft of takings

    You can also get cover for theft of business money at home, at your salon or when you’re on the go. 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 for further details.

  • 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.

  • 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.

Insurance for hair and beauty professionals

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.