Hairdressers
Insurance

What is Hairdressers Insurance?

Hairdressers Insurance is designed to protect your salon, staff, and clients, covering risks such as treatment liability, accidental damage, and public liability. Whether you run a hair salon, barber shop, mobile hairdressing business, or beauty salon, this insurance ensures your business is protected from unexpected events.

For hairdressers, barbers, and salon owners, Hairdressers Insurance is essential for safeguarding against claims, protecting expensive equipment, and ensuring business continuity.

Who Needs Hairdressers Insurance?

Any business providing hairdressing or beauty services should consider Hairdressers Insurance. This includes:

• Hair Salons & Barber Shops – Covers salon equipment, furnishings, and treatment liability.
• Mobile Hairdressers – Protection for portable tools, professional liability, and accidents while working at clients’ homes.
• Beauty Salons – Tailored cover for beauty treatments, hair colouring, and specialist services.
• Freelance & Self-Employed Hairdressers – Cover for treatment risks, professional indemnity, and public liability.
• Salon Chains & Franchises – Comprehensive policies for multi-location businesses.

Why is Hairdressers Insurance Important?

Unexpected incidents can lead to costly claims, equipment loss, or business interruptions. Without insurance, compensation claims from clients or damage to salon property can disrupt operations and affect your finances.

Common risks that Hairdressers Insurance protects against include:

• Treatment Liability – Covers claims arising from allergic reactions, burns, or injuries caused by treatments.
• Public Liability – Protection if a client slips, trips, or is injured in your salon.
• Accidental Damage – Covers damage to salon equipment, mirrors, and styling chairs.
• Product Liability – Covers claims if a product you use or sell causes harm to a client.
• Business Interruption – Covers loss of income if your salon has to close due to an insured event.

What’s Covered in Hairdressers Insurance?

Hairdressers Insurance policies typically include:

• Salon Equipment & Tools – Covers styling tools, hairdryers, and expensive salon equipment.
• Public & Employers’ Liability – Protection against claims from clients and employees.
• Treatment Risk Insurance – Covers liability from hair and beauty treatments that cause harm.
• Contents & Fixtures – Covers salon furniture, mirrors, and fittings.
• Business Interruption – Protects lost income if your salon is forced to close temporarily.

What’s Not Covered?

• Wear and tear or lack of maintenance on salon equipment.
• Damage to the building itself – Requires Business Building Insurance.
• Cyber-related claims – Requires Cyber Insurance for online bookings and client data protection.

Additional Cover You May Need

Depending on your business, you may need additional cover such as:

• Business Building Insurance – Protects your salon premises from structural damage.
• Employers’ Liability Insurance – Covers claims from employees who suffer workplace injuries or illnesses.
• Business Interruption Insurance – Provides income protection if your salon is forced to close due to an insured event.
• Public Liability Insurance – Protects against claims from clients injured in your salon.

At Insurably, we work with 100s of insurers to find the right policy for your hairdressing business, whether you run a small salon or a large franchise.

Start your quote online and let us match you with the best insurer, ensuring your salon has the coverage it needs.