What Is Hairdressers Insurance?
Whether you run a hairdressing shop, hair and beauty salon, a barber shop or are a mobile hairdresser, we can protect you with our range of hairdressers insurance policies. You may be an expert with the scissors, or a dye job master, but when a customer has an unexpected, yet adverse reaction to a treatment, or they trip over a hairdryer wire and hurt themselves, you’re the one left with a big compensation claim. Without insurance, you’d have legal fees to think of too. That’s why at The Insurance Octopus, we create bespoke policies that cover your business’s needs, your equipment, and the particular services you offer. We like to look good too, and with glowing testimonials, being a Feefo Platinum awarded company and offering a level of support like no other, you can trust us to find the right insurance policy for you.
Your clients are waiting, so we never keep you waiting either. To get a hairdressers insurance quote, please fill in our form, request a call back, and one of our friendly team members will get back to you. And when it comes time to update your policy, we won’t ever charge administration fees for mid-term adjustments. That’s just not our style.
What may be included in a hairdressers insurance policy?
Public Liability Insurance
Our standard cover is available from £1 to £5m, with higher limits available on request. We can provide compensation for treatments that go wrong, any customer injury suffered, or damage caused to their property.
Employers’ Liability Insurance
Your team creative gurus too? They’re protected under this policy, which is a must under UK law, and covers them should they get ill, or be hurt, while working.
Business Interruption Insurance
Could you work without a premises? This covers loss of income should a fire, flood or storm damage it, and you’re unable to operate your business from within it.
Replacing items such as straighteners, mirrors and hairdryers, if they’re damaged, lost or stolen.
Specially designed & tailored policies for hairdressers
Get bespoke and flexible cover for your hair & beauty business arranged today
At The Insurance Octopus, our tailored low cost business insurance policies are designed to allow you to add, remove, increase or decrease all areas of the policy. You will be able to customise your cheap hairdressers insurance or mobile hairdressers insurance to the way you want it. All the essential cover you need in one business insurance policy.
As a hairdresser either salon or mobile based, you will be open to the public and will work direct with people, which all present risks. Within your working area, there are conditions such as chemicals, scissors and water that all pose a possible risk to someone. A tailored hairdresser insurance policy will help you if you are faced with a liability claim for damage or injury. All these risks and more can be managed with a business insurance policy from The Insurance Octopus for salon or mobile based hairdressing business.
What your Hairdressers Insurance policy includes
Public Liability insurance cover for hairdressers
Public Liability insurance cover is available as standard from £1 to £5m; higher limits are available upon request. Should one of your customers or a member of the public be hurt or their property become damaged as a result of your negligence, public liability insurance for hairdressers will protect you.
Employers Liability insurance cover
Employers Liability insurance cover is mandatory if you have one or more employees. Employers Liability cover comes as standard at £10m and will protect you, as the employer, against claims from your staff should they be hurt when working for you.
Have you considered Business Interruption cover?
In the unlikely event that something happens to your business premises, have you considered what impact this may have? Many businesses don’t and then suffer the consequences as a result.
Business Interruption insurance covers the loss of income from being unable to trade as a result of insurable claim such as fire, flood, and storm amongst others. This could be vital to some businesses dependent upon the length of time they are unable to trade.
Benefits of having Hairdressers Insurance
If you own a salon, barbers shop, have your own portfolio, or you rent a chair within a hairdressers salon, having a comprehensive hairdressers insurance policy in place is crucial. The work you carry out for your clients come with its own set of risks, consider the risks of injury or bodily harm to clients in your premise, at your home or if you work as a mobile hairdresser; your clients home. Carry out treatments on hair can result in hair damage or other unforeseen issues, having the right cover in place can help protect and maintain your hairdressing business.
Protecting hairdressers with a wide range of treatment covers that can be added or removed as you require
Bespoke cover for hairdressers
The Insurance Octopus is able to specifically tailor hairdressers insurance and hair technician insurance around your personal needs, with you, your business and range of treatments you offer at the forefront. As a result you will be covered for all eventualities whether that be loss of income, property damage to the building, treatment risks, contents and equipment amongst others. This ensures you can carry on doing what you do best with the added peace of mind that you are completely covered through The Insurance Octopus.
Comparing hairdressers insurance quotes
As a broker we are able to supply you with quotes from a wide range of different insurers ensuring you get the right cover for your business at a price that’s right for you. We can often provide your insurance and documentation on the same. Speak to our team of specialists today for a quote.
Why choose The Insurance Octopus for Hairdresser Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A specialist who knows your industry
We’ll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How hairdressers insurance works
Examples of Hairdressers Insurance in action
A £10,000 case of soiled stock
Following severe and heavy rain fall a clothing shop discovers that almost half of their stock has been soiled due to rain creeping in via a leak in the roof brought on by the severe weather. The shop has up to £25,000 worth of stock cover in place and is thus adequately insured and can be compensated via their insurance for the damage caused.
Other types of Insurance we can provide
Get Business Insurance off your to do list
Help protect and grow your business with tailor made business insurance from The Insurance Octopus
Insurance Know How Making business insurance easier to understand
The ultimate small business checklist to help protect against cyber threats
Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...
The top 10 Cyber Insurance claim types
Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...
How much does cyber insurance cost?
Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...
Get to grips with Under-insurance & The Insurance Act
Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...
Business Insurance Blog For all the things business & insurance
Helen Bush Named Director at The Insurance Octopus
Leading commercial insurance broker, The Insurance Octopus, has appointed H...
Cyber 101: The Basics of Cyber Security
Would you be comfortable living in a house where all the doors are left wid...
The Insurance Octopus has been shortlisted for the British Insurance Awards 2021!
The Insurance Octopus has been announced as a finalist in the Commercial Li...