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A guide to hairdressing insurance
It doesn’t matter whether you are a home-based, mobile or salon-based hairdresser, you should always protect your business - hairdressing insurance can help do this. This useful guide will provide you with the information you need to find the best hairdressing insurance.
What is hairdressing insurance?
Hairdressing insurance is available to cover every risk associated with running your business, so that you have the peace of mind of financial protection. Business insurance is available to cover salons, mobile hairdressers and home-based hairdressers. Policies are designed to protect your business, premises, customers and staff.
One of the most popular policies offered is public liability insurance for hairdressers.
This will cover your business if a member of the public suffers and accident, injury or damage to their property. For example, a customer could slip on a wet floor near sinks and break a bone, leading to a large compensation bill.
In addition, products liability insurance is a popular hairdressing insurance option. If the products in your salon such as dyes and shampoos harm your client, they could make a claim against your business.
Many businesses choose to combine product and public liability policies into a combined hairdressing insurance policy.
There are other policies which you may need to consider such as contents insurance, business interruption insurance and employers liability insurance. If your hairdressing business employs one or more people, by law you will need to hold employer’s liability insurance.
Do I need hair salon insurance?
Whether you are thinking about salon insurance or mobile hairdressing insurance, there are many benefits to taking out a policy. Hairdresser liability insurance will provide your business with the financial protection and peace of mind you need to operate successfully. If a claim is made against your business, insurance will mean that you can remain trading. Without insurance a large compensation claim can have a detrimental impact on your business finances, often forcing hairdressers to close.
With customers relying on you to provide a professional service, it is important you have protection, as mistakes can happen. When you are busy in the salon mistakes can happen easily, from burns and chemical damage to slips and trips. If you do not have insurance in place, a claim could mean that a genuine mistake becomes very costly to your business.
How do I find the cheapest hairdressing insurance?
As a busy hairdresser, it can be hard to find the time to find the cheapest hairdressing insurance. We can help you quickly compare policies from our panel of leading providers of hairdresser’s insurance. Simply enter your details into our online form, which will provide the information we need to find the best insurance policy and prices for you. We understand that every policy will be unique to your hairdressing business, so we can arrange bespoke policies. For example, perhaps you specialise in perms, dyes, hair extensions or bleaches.
Whatever service you provide, we can help you find the cheapest insurance policies.
Once you have compared policies it is possible to purchase your insurance through our trusted partner. We know that as a small business it can be hard to pay for the full premium upfront. This is why we can help you arrange policies which include a monthly payment option.
It is important to check your insurance documents carefully, as the information provided needs to be completely accurate.
Your premium is based on the exact information you provide, so even a slight mistake could invalidate a future potential claim.
Here at BusinessComparison we specialise in helping businesses find the cheapest insurance deals for their business. Whether you are searching for hair extension insurance, nail salon insurance or self-employed hairdresser insurance, we can help. To ensure you have the right hairdresser’s insurance in place, please contact our insurance specialists who will be happy to help.
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