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If you’re in the business of styling and cutting hair, you need the peace of mind to know that you can continue earning a living regardless of what situations occur. Hairdressers’ insurance is designed to protect salons against various forms of public liability, public indemnity and could also cover your business premises if required.
The best way to work out what sort of hairdressers’ insurance policy is best for you is to discuss your requirements with one or more prospective insurers. Whether you offer a specific service (such as men’s barbering) or are a one-stop-shop which offers various beauty treatments in addition to haircutting, hairdressers’ insurance will help cover claims for compensation against you and could cover your equipment too, in the event of a break-in, fire or flood.
All hairdressing salons that employ people require employers' liability insurance by law. This insurance is designed to protect businesses against claims of compensation from employees who have injured themselves or become ill as a result of working practices.
There are lots of different types of salon-type services available nowadays. While some of these might concentrate on niche trends, others offer a “one-size-fits-all” approach to unisex hairdressing. For example, a barbers' shop will always certainly require hairdressers’ insurance. The biggest insurance issue faced by barbers is customer safety, as close shaves and beard trimming can pose a risk, regardless of how skilled the barber in question is. Public liability insurance is imperative in this instance, as it covers any injuries sustained by customers.
Hair salons that offer a variety of treatments might also want to consider investing in an appropriate hairdressers’ insurance policy to cover allergic reactions to chemicals in shampoos, conditioners, bleaches and dyes.
It’s possible to arrange for hairdressers’ insurance that suits the specific requirements of your business, which means you won’t have to pay for coverage you’re unlikely to need. Every business is unique, which makes every policy different too. It’s important to know what you should be covered for before looking for quotes – as mentioned above, employers' liability insurance is a legal requirement, and public liability insurance helps protect your business against claims of compensation from customers.
In addition to these, there are several other policies suitable for hairdressers. For example, liability insurance is almost vital for any hairdresser. It covers things like mistakes made when doing a haircut that left a customer feeling unhappy or leaving a dye on for too long and damaging the hair of a customer. You should discuss the treatments you provide with a prospective insurer prior to agreeing to a policy so that you gain an understanding of what you will (and won’t) be covered for.
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