Professional hairdressers and mobile hairdressers need insurance. This is because, they are likely to face accidents, mistakes, equipment theft, and inadvertent damage that takes one off guard. You may have a hard time paying off these liabilities, that is while you need to safeguard your business especially with public liability insurance for hairdressers. Hairdressers insurance protects you from unknown expenses such as damage caused to the public. Public liability may also accrue to Hair Dressers and for such occurrence, you need liability insurance to deal with these expenses in the UK.
Hairdressers Insurance
Wondering why hairdressers need insurance is the same as wondering why an architect needs insurance. Why? Both offer professional services to the general public. Anyone who offers professional service is expected to guard themselves against Professional indemnity. These are liabilities that arise as a result of intentional or unintentional actions. Generally, hairdressers’ top responsibility is making clients look their best. However, hairstylist professionals daily deal with certain risks in beautifying clients. Why dying a client’s hair, their brand new Clark’s, Levis’s or Vintage white shirt can, unfortunately, be stained with the dye. A simple mistake may likely result in hair loss, and some cases, you will face a lawsuit for this. Therefore, you must protect yourself as hairstylists or mobile hairdressers through insurance.
Public Liability Insurance For Hairdressers and Hairdressers
Ideally, people whose business deals with the public need to secure public liability insurance against injury or damages to third parties. Damages may include injury to a member of the public, loss of equipment, damages to clients’ property and so on.
Why Do Hairdressers or Mobile Hairdressers Need Liability Insurance?
The following are some of the reasons why hairstylists and mobile hairdressers need liability insurance.
- It protects your equipment from damages or theft. The damages may be as a result of fire outbreaks, accidents, power voltage and so on.
- Public liability insurance provides coverage for claims resulting from damages as a result of your business activities.
- It also provides cover for claims of injury to a third party about your business activities.
Insurance Coverage For Hairdressers
There are several insurance coverages for hairdressers. To get the best, you highlight your business needs and choose the one that best suits your business.
#1. Public liability insurance
The public liability insurance for hairdressers protects against claims such as injury or damages that happen, and are traced to your business activities.
#2. Employer’s liability insurance
The employer’s liability protects your employees from damages.
#3. Business insurance
The business insurance covers
#4. Shop/stock Insurance
The stock insurance provides cover if the products or materials for which you are responsible are misplaced, damaged, or stolen.
#5. Tools insurance
Tools insurance provides coverage for any loss or damage to your working equipment and tools
#6. Legal expense insurance
This covers the legal costs of running your business.
#6. Product Insurance
Product insurance mostly provides coverage from claims made against defective products.
#7. Business Interruption insurance
Generally, a business interruption insurance (BII) policy covers you for several years if for any reason your business is interrupted and you are unable to work.
#8. Shop Insurance
This policy provides coverage for the stock and product as well as fixtures and fittings.
Other Insurance Coverage for Hairdressers’ Liability in the UK
#1. Treatment Risk
#2. Content cover
How Much Does Hairdresser Insurance Cost?
When it comes to insurance coverage, you will have to identify your business needs and then select the policy that best suits your business needs. The cost varies; however, it can be as low as £5.53 monthly with an annual payment of £35.26 to as high as £30.57 monthly with an annual payment of £271.74.
Insurance Company that provides Coverage for Hairdressers Liability in the UK
- Salon gold insurance
- Axa insurance
- Hiscox Insurance
- Zurich insurance
- Salon saver Insurance
- Protectivity insurance
- Towergate Insurance
- Adrian flux insurance
Mobile Hairdressers Insurance
Mobile hairdressers are stylist professionals who beautify your hair in the comfort of your home or anywhere you desire. They are not situated at a spot, and this connotes they move from one place to the other, satisfying clients. The hairdressers do not just protect themselves or their business,s but also the vehicle they use in moving from one place to the other.
Benefits of Mobile Hairdressers
- Flexible Work Hour
- It breeds a customer relationship
- More money, less expense
What To Consider When Starting a Mobile Hairdresser
Registration
Having decided to turn your passion and skill into a business, it is paramount to register with the necessary body. First, register your business name and proceed to register with other professional bodies.
License
After registration, you need to get your license from the necessary professional bodies.
Equipment
You need equipment to run a mobile hairdressing business. You can start small by getting the most relevant equipment and then save up to get the rest in order of priority.
Marketing
Explore every possible means of advertising, create an online presence, get a blog, advertise and keep advertising to increase your visibility.
Employees
Before hiring additional hands, the law mandates businesses to get employer’s liability insurance. This will protect employees from injury to self or property.
How Does Mobile Hairdresser Liability Work?
1. Write down your business needs. This will be about size and clients, as well as services you deliver to clients.
2. Get quotes from various insurers. You can get quotes from different insurance companies on the internet
3. Compare quotes. After collecting quotes, compare the quotes with the policy coverage that each insurance company offers.
4. Buy your ideal policy for coverage. However, make sure your police narrow down your business needs.
General Guides On Hairdressers Insurance
- Public liability insurance for hairdressers does not cover damages done to you or your employees
- The insurance also does not cover damages done to the hairdresser’s property in the UK
- Choose insurance that covers the treatment and services you offer to the client
- Mobile hairdressers do not necessarily need shop insurance
- To avoid liability for hairdressers, choose an insurance policy that meets your business status.
General Liability Insurance For Hairdressers
General liability insurance is also known as commercial general liability insurance (CGL). It protects your company from third-party claims of bodily injury, medical expenses, personal injury, and property damage. Also, claims and lawsuits against hairdressers are frequently filed for reasons that have nothing to do with the cutting of hair or the application of a specific beauty treatment. Injuries and property damage can happen in any small business, and hair salons are not excused.
General Liability Insurance for hairdressers provide coverage for the following:
- slander
- Property damage
- Bodily injury that is associated with medical bills
- Damages to Property
- Accidents
Conclusion
Protecting your hairdressing business will save you from future liability that may occur as a result of your negligence, errors or unintentional liability. Finally, carefully identify your business need; there is insurance coverage for hairdressers in the UK
FAQs On Hairdressers Insurance
Why should you get insurance once you have been doing hair on clients?
Whether you own a salon or spa, or you rent your chair, you may need hair salon or barber insurance. Sometimes called esthetician insurance, salon insurance protects your business from claims arising from personal injuries and other types of liability.
What are three types of insurance needed within the salon?
They are:
- Employer’s liability insurance: If you employ people, this cover is usually a legal requirement. …
- Public liability insurance: This cover is usually a important one for salons. …
- Products liability insurance: If your salon makes or sells hair or beauty products, this could be an important cover too.
How much do small salon owners make?
On average, the annual salary range for salon owners in the U.S. is around $67,000, but that depends on several factors, which we explore in more detail below. On the low end, salon owners could expect to earn around $35,000 per year, while the most successful salons could bring in around $120,000 in annual income or more
Is opening a hair salon profitable?
Yes, owning a salon is profitable. According to The Salon Business, the average salon business will have a revenue of about $245,000 annually before expenditures. After you factor out expenditures, an average salon can profit about $19,100 every year, depending on marketing efforts and sales made.
