Mobile Hairdressing Insurance Quotes & Cover

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Compare mobile hairdressing insurance

If you are a mobile hairdresser you’ll know that working in multiple locations on a daily basis can leave you exposed to a variety of risks.

You need quality cover to protect you in case something goes wrong. With so many options available, comparing mobile hairdressing insurance quotes can be time-consuming. That’s why we’ve made comparing quotes from some of the UK’s leading insurers quick and simple.

It's quick and easy to compare quotes online. Simply answer questions about your mobile hairdressing business and we can provide a selection of quotes from a panel of trusted insurers. You can then compare quotes, find the cover that's right for you and buy straight away.

Alternatively, if you’re looking for salon based hairdressing insurance then visit our hairdressers insurance page or barber insurance page.

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If you know the covers you require, it's quick & easy to compare hair & beauty freelancer quotes from a selection of insurers on our website.

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Mobile hairdressing insurance cover in detail

What is mobile hairdressing insurance?

As a mobile hairdresser, you may be visiting clients at their home, or even in care homes and other locations, all of which could leave you exposed to claims against you. Mobile hairdressing insurance protects your livelihood against a variety of risks that are associated with your profession.

Mobile hairdressing insurance typically includes public liability insurance, which can protect against claims made by third parties for bodily injury or property damage resulting from the mobile hairdressing services. It may also include additional covers, such as personal accident cover, which provides financial assistance if you suffer an injury or disability that prevents you from working.

The specific coverage and limits of insurance that a freelance hairdressers need will depend on the specific risks and operations of their business.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Hairdresser cutting clients hair at home

Public liability insurance

There are many considerations that you will need to make when arranging your mobile hairdressing insurance. Public liability insurance will be the primary focus of your insurance policy and will typically safeguard your responsibility for any accidents that may occur. For example, if a pair of straighteners accidentally fell onto the floor and burnt the carpet at your client’s premises, your public liability insurance could take care of the cost of replacing the carpet.

Public liability cover can also protect your liability for accidental injury to members of the public, so if a client tripped over the cord of your hairdryer causing injury, public liability cover can give you the protection you need. Any damages awarded will typically be covered, as well as any associated legal costs.

Employers' liability insurance

Employers' liability insurance is a type of insurance that provides coverage to employers in case their employees suffer injury or illness as a result of their work. However, since mobile hairdressers are usually self-employed and do not usually have employees, employers' liability insurance may not be applicable.

If you employ staff, employers' liability insurance is a legal requirement and it is intended to help ensure that employers are able to meet their legal obligations to their employees in the event of an accident or injury in the workplace.

Personal accident cover

Personal accident cover is designed to provide financial assistance in the event of a personal injury. For mobile hairdressers, this could be an essential cover, especially if the business cannot trade without you. This coverage typically provides a lump sum payment or ongoing income support to help cover the costs of medical treatment, living expenses, and other financial obligations that the salon owner may have.

This type of cover is particularly important for small business owners, who may not have the same level of financial support or benefits as employees of larger companies.

Property covers

Property covers for mobile hairdressers therapists usually refers to equipment and stock used to provide services to their clients. For example, you could have specialist hair styling equipment such hair dryers and portable chairs or carry stock such as expensive shampoos, dyes or hair extension products.

If a fire were to break out where your store your equipment or if a theft of your stock occurred, property insurance would cover the cost of repairs or replacement.

Business interruption cover

You may also require business interruption insurance to protect your income if something happened to your equipment. This means that if your equipment was stolen and you were unable to attend your appointments, business interruption insurance could tide you over and pay your lost income until you are in a position to trade again.

Treatment covers

Treatment cover is also an essential part of your mobile hairdressing insurance. Whatever treatment you provide, ensuring that you have adequate protection for all your business activities is essential to let you work without worry. No matter how careful you are, and how many patch tests you do, accidents can happen and sometimes people can have unexpected adverse or allergic reactions to hair dyes or other treatments. By including treatment cover within your mobile hairdressing insurance you can protect your business against claims like these and ensure your clients are protected.

Speak to an insurance advisor today to discuss treatment cover for your mobile hairdressing business.

Commercial legal protection

Commercial legal protection can be included in your mobile hairdressing insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes and cover you financially if you, your business partners or employees are summoned for jury service.

Mobile hairdressing insurance FAQs

Do I need mobile hairdressing insurance?

Working in a busy environment at various locations with heat, chemicals and sharp objects means you need professional protection in case something goes wrong.

Reactions to treatments, a faulty hairdryer and puddles of water that may have gone unnoticed all have the potential to cause injuries. You therefore need comprehensive cover to let you focus on the job in hand. That’s where we come in.

What covers do mobile hairdressers need?

Mobile hairdresser insurance can protect you whilst you travel to clients and carry out work, should something unexpected happen. Normally mobile hairdresser insurance will provide liability cover as well as other covers that can be tailored to your needs. Here are some other covers you might need to consider:

Public liability – to protect against injury to salon visitors or damage to their property.
Employers' liability – to protect your salons employees.
Personal accident - to provide financial assistance in the event of an accident.
Equipment, contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Money cover – for theft or attempted theft.
Business legal expenses – to cover the cost of legal expenses or defend your salon against legal action.
Specialist treatment cover - depending on the types of treatment you offer.

More information

How much does mobile hairdressing insurance cost?

The cost of insurance for a mobile hairdresser normally depends on several factors, including the locations you work at and the insurance covers you need.

It is difficult to estimate the cost of insurance cover for a mobile hairdresser without taking these factors into consideration. The easiest way to get an accurate estimate for the cost of insurance is to compare quotes on the Premierline website. Or, you can speak to one of our insurance advisors who can assess the overall needs and risks associated with your business and can find cover accordingly.

Why choose Premierline to arrange mobile hairdressing insurance?

We arrange mobile hairdressing insurance to make sure that you have the protection you need to work without worry. We’re dedicated to providing exceptional service standards for the duration of your policy and are on hand to make arranging your insurance simple and hassle-free.

What type of mobile hairdressers do Premierline work with?

We have many years’ experience arranging insurance for mobile hairdressers meaning we can help you find the right cover at the best price.

We work with a range of businesses in the hair and beauty industry, from beauty salons and barber shops to hairdressers, nail technicians and tanning salons.

Is my mobile hairdressing business insured to work at different locations?

Mobile hairdressers usually travel to their clients' locations to provide beauty services. Therefore its important to have flexible insurance in place to ensure your business activities are covered, regardless of location.

Here are some common locations where mobile hairdressers may usually work:

Renting a chair in a salon - Many hairdressers are self-employed, but share salon space with others by a renting a chair agreement.
Private residences - Mobile hairdressers can provide services in the homes of their clients, in flexible locations such as a living room.
Weddings and other events - Mobile hairdressers can be hired to provide hair styling services for weddings, proms, parties, and other special events.
Retirement homes and care facilities - Mobile hairdressers can provide cuts to elderly or disabled clients who are unable to travel to a salon.
Film and TV sets - Mobile hair stylists may be hired to provide services to actors and crew members on film and TV sets.

Location restrictions may vary between different insurers so it's important to check your own policy wording to ensure you are covered and if you are unsure, speak to one of our insurance advisors. It's also important to note that mobile hairdressers should ensure they have the necessary licenses and certifications to provide their services, and that they follow all health and safety guidelines when providing their services at clients' locations.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're hair & beauty insurance experts

We understand the nature of running your hair & beauty business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your hair & beauty insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

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Protect your mobile hairdressing business today

You can protect your business online, in a matter of minutes if you know your insurance requirements. Simply answer questions about your mobile hairdressing business and we can provide a selection of quotes from a panel of trusted insurers. You can then compare quotes, find the cover that's right you and buy straight away.