What insurance do hair and beauty professionals need?
There are some core covers that all hair and beauty professionals need to consider when arranging their insurance. Public liability insurance should be a top priority in case a client injures themselves and submits a claim against you. Accidents happen when you least expect and compensation claims can be costly, so this should be one of your first considerations.
If you’re an employer then you’ll also need to take out employers’ liability insurance in case a member of staff has an accident at work. This is a legal requirement if you hire staff and can be combined with other covers in one easy to buy policy.
Dependent on whether you’re mobile or running a salon, you may wish to include cover for contents, equipment and stock within your hair and beauty insurance policy. Additional covers such as business interruption insurance and commercial legal protection can also be built into your policy to give you tailored cover and peace of mind.
What level of cover do I need?
The levels of cover you need will depend entirely on your business set up and the exposures you have. Larger businesses generally have higher levels of exposure so they might require higher levels of contents insurance for instance.
Depending on the treatments you provide, higher levels of treatment cover may be needed to ensure you have adequate cover.
We can help you determine the right levels of hair and beauty insurance needed for your business so if you’re unsure on the covers you need or the amounts of cover to select then call our advisors for some guidance and advice.
How much does hair and beauty insurance cost?
The cost of insurance for hair and beauty professionals generally depends on the covers that you select. Like any other insurance, the more cover you select the more you can expect to pay. A basic liability insurance policy for hair and beauty professionals working on a freelance basis is likely to cost less than a large salon employing many stylists and beauticians.
Which covers do I need if I’m a freelance beautician or hairdresser?
Freelance hair and beauty insurance starts with public liability insurance and can include additional covers tailored to your individual needs.
Compare hair and beauty insurance quotes
We arrange insurance for beauticians and hairdressers to allow you to work without worry. We understand the nature of the trade and the variety of exposures that you face on a daily basis and can tailor your professional beauty insurance cover to suit your requirements.
So whether you’re looking for mobile hairdressing insurance, mobile beauty therapist insurance, barbers insurance, beauty salon insurance, tanning salon insurance or nail technician insurance, you’ve come to the right place.
You can compare quotes and protect your business online in just a few minutes if you know what you want, or you can speak to our business insurance specialists who can guide you through your options and give you the advice you need to make arranging your hair and beauty insurance simple and hassle free.