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Hairdressing Insurance UK: Public Liability, Tools & Salon Cover Explained
Running a hairdressing business in the UK can involve a variety of risks, whether working from a salon, renting a chair, or providing mobile…
Hairdresser & Hair SalonInsurance
Hairdresser & Hair Salon Insurance
Public liability and treatment cover built for hairdressers, covering colouring, chemical treatments and the tools of the trade.
Public liability and treatment cover built for hairdressers, covering colouring, chemical treatments and the tools of the trade.
PPD reactionsChemical burnsStylist cover
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is hairdresser and hair salon insurance?
Hairdresser and hair salon insurance is a combination of covers built around cutting, colouring and styling hair, public liability for injury or damage, treatment liability for claims arising from a chemical treatment, and employers’ liability for your team.
One policy. Multiple risks. Permanent hair dyes commonly contain PPD, a known allergen, a patch test before colouring is standard practice, but reactions can still happen and lead to a claim.
The right hairdresser cover depends on:
Types of chemical treatments offeredNumber of styling chairsNumber of employed or self-employed stylistsWhether you own your premisesStock value and turnover
Cover that fits the way you style
Cover that fits the way you style
Chemical treatments, sharp tools and heat styling bring their own everyday risks.
Chemical treatments, sharp tools and heat styling bring their own everyday risks.
RecommendedTreatment Liability
Protection if a colour or chemical treatment causes a client physical harm.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedPublic Liability
Protection if a client or visitor is injured or their property is damaged.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you trading.
OptionalStock & Equipment
Cover for scissors, styling tools and retail stock.
OptionalProduct Liability
Protection against claims arising from products you’ve used or sold.
What could go wrong in a hair salon?
What could go wrong in a hair salon?
Most hair salon claims come from a PPD reaction to permanent dye, a chemical burn, a stylist cut by scissors or burned by styling tools, or a client injured in the salon.
Most hair salon claims come from a PPD reaction to permanent dye, a chemical burn, a stylist cut by scissors or burned by styling tools, or a client injured in the salon.
Is this cover right for your salon?
This type of business insurance may suit you if you cut, colour or style hair.
The right cover depends on:
Independent hair salonsSalons with self-employed stylistsBarbershops with hairdressing servicesSalons with multiple sitesSalons offering mobile hairdressing tooSalons with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A PPD reaction, a client slip, a stylist injury and a product liability claim are the four hair salon scenarios insurers see most. Each responds to a different cover.
A PPD reaction, a client slip, a stylist injury and a product liability claim are the four hair salon scenarios insurers see most. Each responds to a different cover.
PPD allergic reaction
A client reacts badly to a permanent hair dye.
Potential cover
Treatment Liability
Customer injury
A client slips or trips in the salon.
Potential cover
Public Liability
Staff injury
A stylist is injured using scissors or tools.
Potential cover
Employers’ Liability
Product liability claim
A product you’ve sold or used causes harm.
Potential cover
Product Liability
How much does hairdresser and hair salon insurance cost?
There’s no fixed price. Colouring and chemical services carry more risk than cutting alone, which is the biggest factor for hair salons.
Types of chemical treatments offered
Colouring and perming can carry higher risk than cutting alone.
Retail products sold
Selling haircare or styling products can affect your product liability needs.
Number of staff
More employees, including stylists, increase your employers’ liability exposure.
Level of cover
Adding a higher treatment liability limit increases your premium.
Number of styling chairs
More chairs and equipment increase your contents cover needs.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting hairdresser insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting hairdresser insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your salon
The treatments you offer, and whether you have staff.
2
Choose your covers
Treatment liability, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Hairdresser insurance guides
Hairdresser insurance guides
Practical advice on cover, chemical treatments and staying protected.
Practical advice on cover, chemical treatments and staying protected.
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Mobile Hairdresser Insurance: Protecting Tools & Liability on the Go
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Top 5 Hairdresser Insurance Add-Ons: Treatment Risk, Equipment & Legal Expenses
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Hairdresser & hair salon insurance FAQs
Hairdresser & hair salon insurance FAQs
Straight answers on cover, chemical treatments and cost.
Straight answers on cover, chemical treatments and cost.
It’s a combination of covers built around cutting, colouring and styling hair: public liability for injury or damage, treatment liability for claims arising from a chemical treatment, and employers’ liability for your team.
Still have questions?
Our advisers are here to help you find the right solution.