Being a barber or hairdresser means working closely with clients every day – offering expert services while managing a busy, hands-on environment. Whether you’re a hairdresser or barber, having the right insurance in place protects your business, your reputation, and your clients.
At Premierline, we arrange flexible, tailored barber and hairdresser insurance to suit the unique risks of the hair and beauty industry. Whether you’re looking for self-employed hairdresser insurance, barbershop cover, protection for your salon premises, or mobile hairdressing insurance to work from clients’ homes, our team can help. We’ll help you find a policy that is built around how and where you work, covering common industry risks such as treatment injuries, tool damage, or public slips and trips.
Whether you need public liability insurance to protect against client claims or employers’ liability cover for your staff, we’ll help you build a policy that fits.
If you run a shop or a salon and know the covers you require, it’s quick & easy to compare quotes from a selection of insurers on our website.
If you run a mobile business without a shop or rent a chair, it’s also quick & easy to compare contractor quotes on our website.
Call us on: 0333 320 6009
Our experts are available Monday to Friday 9:00am–5:00pm
Working with heated appliances, sharp tools, and the general public carries real risk. A client could slip on a wet floor, suffer an allergic reaction to a product, or make a claim following a haircut injury. Without insurance, you could face unexpected legal costs, compensation payouts, or replacement bills if equipment is damaged or stolen – all of which could make your business financially unviable.
Having the right insurance in place can:
Having the right business insurance for your hairdressing or barbering services in place also gives your clients confidence that you’re a professional who takes safety and responsibility seriously.
Ready to protect your business? Get a tailored quote today.
Anyone in the hairdressing or barbering industry needs insurance in place. We arrange cover for:
Even if you don’t have a salon of your own, you could still be liable if something goes wrong. That’s why it’s important to have cover tailored to your role, location, and services. If you operate on a mobile basis, visiting clients in their homes or at various locations, then consider our mobile hair insurance options.
Our experienced insurance advisors will take the time to understand how your business operates before recommending a tailored insurance package. Every barber and hairdresser faces slightly different risks, depending on where and how they work. That’s why we build flexible policies around your specific needs. Unsure which cover you need? Speak to an advisor for a personalised recommendation.
While the exact cover will vary, a comprehensive hairdressing or barbering insurance policy typically includes:
Public liability insurance is essential for anyone working directly with the public, including both barbers and hairdressers. It provides cover if a client is injured or their property is damaged during an appointment – protecting your business if a claim is made against you. In fast-paced salon and barbershop environments, accidents can happen even with the best precautions.
Public liability insurance:
Employers’ liability insurance is a legal requirement if you employ staff, whether you run a busy barbershop, a high-street salon, or rent out chairs to others. This cover protects you if an employee becomes ill or is injured as a result of their work. It also applies to apprentices and part-time team members.
Employers’ liability insurance:
Treatment liability cover is particularly important for hairdressers and barbers who offer services that involve direct contact with clients’ skin, hair or scalp. It protects you if a treatment causes injury, illness or an allergic reaction. You’ll need to outline all the treatments you offer to us so we can ensure you’re comprehensively covered.
Treatment liability insurance:
Contents insurance covers the essential equipment and products you use as part of your barbering and hairdressing services – from scissors and clippers to chairs, mirrors, and straighteners. This protection helps keep your business running if tools are stolen, damaged or destroyed.
Contents insurance:
Barbering and hairdressing are physically demanding jobs. If you’re self-employed or run a small team, an accident that prevents you from working could significantly impact your income. Personal accident insurance helps provide financial support while you recover.
Personal accident insurance:
If your salon or barbershop is forced to close due to an insured event like fire or flood, business interruption insurance will help protect your income and ongoing expenses. It’s particularly useful if you rely on regular, in-person appointments at a specific location.
Business interruption insurance:
If you own the premises where your salon or barbershop operates, buildings insurance protects the physical structure against damage caused by fire, flood, storms or vandalism.
Buildings insurance:
Barbers and hairdressers increasingly rely on digital tools – from online booking systems and card machines to storing client preferences – meaning cyber insurance is now a must. It protects your business if your systems are hacked or client data is exposed.
Cyber insurance:
Legal insurance covers the cost of professional legal advice or representation if you face disputes related to your business – such as staff issues, contract disagreements or tax investigations. This cover is especially useful for salon and barbershop owners.
Commercial legal insurance:
We understand the demands of the hair and beauty industry and arrange insurance tailored to your business. Whether you’re just starting out or have years of experience, our team will help you find comprehensive cover from trusted UK insurers. Explore our hair and beauty insurance options
Expert advice from UK-based insurance advisors
Cover tailored to barbers, salons, and self-employed professionals
Flexible payment options to suit your budget
Support with claims if things go wrong
Our expert insurance brokers work with you to create a personalised, comprehensive insurance package that perfectly aligns with your needs as a hairdresser or barber. The exact cost of your policy will depend on:
For example, a freelance hairdresser with basic cover will pay less than a salon owner with staff and treatment risks. Whatever your situation or budget, we’ll work with you to find cost-effective cover that suits your business.
“They gave me a brilliant explanation of the services provided. They took the time and spoke clearly when I asked questions. I would definitely be happy to highly recommend Premierline.”
Whether you’re a barbershop owner or rent a chair in a salon, we can provide you with a tailored quote to help you get the right cover for your business.
Yes, even if you’re renting a chair or working freelance in a hairdresser’s or barbershop, you should at least have your own public liability and tools cover, as you’ll be responsible for your own clients, tools, and treatments.
Not legally, but it’s highly recommended. It protects you from costly claims if a client is injured or their property is damaged – which could easily happen in your industry.
At a minimum: public liability, contents, and potentially treatment liability. Speak to our advisors for a tailored quote that won’t leave your livelihood vulnerable.
At a minimum, you’ll need public liability, employers’ liability and contents cover. You may also need buildings, treatment, or business interruption insurance, depending on your setup.
It can be. Treatment liability protects you if a colouring, perming, or styling service goes wrong and causes harm or damage. This is especially important for salons offering chemical treatments.
Freelancers may not be covered under your main policy. If they rent chairs or work independently, they’ll need their own public liability and tools cover. You’ll still need employers’ liability if they’re classed as employees.
Yes. If you run a salon from home, you may need specialist business insurance as standard home cover won’t usually apply. This can include liability, equipment, and contents cover tailored to your setup.
Once your policy is arranged, your insurer or broker can provide a certificate of insurance, which you can display in your premises or provide to landlords, suppliers, or regulatory bodies if required.
If you have treatment liability cover, your policy could cover the cost of compensation and legal defence. This includes cases involving burns, allergic reactions, or poor results from treatments.
Finding the right candidate to run your salon If you own a hair or beauty salon and the business is doing particularly well, you may consider taking on a manager…
Hosting a freelance hairdresser at your business A common practice in the haircutting industry is to hire out a chair in the salon to a freelance hairdresser. Hiring out a…
Making sure your business is protected The hair and beauty industry is one of the fastest moving in the UK, with new treatments and styles becoming popular with every changing…
Using anonymous feedback to make changes Mystery shopping is when a member of the public will visit your business under the guise of the regular customer, but during their visit,…