Hairdressing Insurance
Our comprehensive hairdressing insurance offers reliable protection for self-employed stylists, mobile hairdressers, and salon owners. Whether you work independently, rent a chair, or manage a team, we provide the cover you need to safeguard your business.
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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
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Why Choose Us for Hairdressing Insurance?
What Is Hairdressing Insurance?
Hairdressing insurance is a specialised form of business insurance designed to protect hair professionals from risks associated with treatments, working with the public, using heat-based tools, and operating in various work environments.
Our policies are designed for:
- Freelance and mobile hairdressers
- Salon-based stylists
- Chair renters and booth renters
- Salon owners and employers
- Bridal and event hair specialists
This insurance can include protection against claims, equipment damage, staff incidents, and more.
Why Is Hairdressing Insurance Important?
Hair treatments might appear low-risk, but mistakes, misunderstandings, or even accidents can lead to legal claims and financial loss. From cutting accidents and allergic reactions to slips on wet floors or damaged property, the risks are real.
Hairdressing insurance ensures you’re protected against:
- Client injury or dissatisfaction due to treatment
- Damage to third-party property
- Theft or loss of styling equipment
- Business interruption following unforeseen events
- Claims made by employees or contractors
It’s often required to rent a salon space, gain association membership, or secure premises insurance.
How Much Does Hairdressing Insurance Cost?
Hairdressing insurance can be affordable and flexible. Your quote depends on:
- Your work location (salon, mobile, home)
- The services you offer (e.g. colouring, perming, cutting)
- Number of employees (if any)
- Value of tools, equipment, and stock
- Previous claims history
- The level of cover selected
Policies can start from as little as £5‐£10 per month. We provide monthly payment options and no hidden fees.
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What Can Hairdressing Insurance Cover?
Flexible cover can be built around your services and business model. Key areas include:
1. Treatment Liability Insurance
Protects you if a client suffers an injury or adverse reaction due to a treatment, such as burns from straighteners, scalp reactions to dye, or improper cutting.
2. Public Liability Insurance
Covers claims if a member of the public is injured or their property is damaged in your workspace, whether in a salon, at home, or during a mobile appointment.
3. Employers’ Liability Insurance
Often a legal requirement if you employ anyone. Covers your business if an employee, apprentice, or trainee is injured or becomes ill due to their work.
4. Equipment and Kit Cover
Protects against theft, accidental damage or breakdown of clippers, straighteners, dryers, scissors, trolleys, and styling chairs.
5. Stock and Products Insurance
Covers hair products (shampoos, dyes, sprays, retail stock) against fire, theft, or accidental damage.
6. Business Interruption Cover
Helps cover your income and fixed expenses if your salon or workspace becomes unusable due to an insured event like fire, flood or storm.
FAQs
Hair salon insurance typically covers:
- Public and employers’ liability
- Salon equipment and stock
- Treatment risk (e.g. for dye or perming)
- Business interruption
- Buildings cover (if you own the premises)
Yes. We offer cover for home-based hairdressers, including liability, equipment and stock protection.
Freelance or self-employed stylists are not automatically covered by salon insurance. They may need their own individual liability policy, unless specifically included in your salon’s business policy by agreement.
Yes. You can protect items like hairdryers, straighteners, chairs, styling stations, and product stock against theft, fire, or accidental damage.
Yes, if you rent a chair in a salon as a self-employed hairdresser, you are responsible for arranging your own salon insurance. Hairdressers need public liability and treatment risk insurance to cover client injury or property damage.