Barber insurance

Public liability insurance for barbers

In case you accidentally hurt your customer.

What’s typically covered by barber public liability insurance?

Legal expenses and compensation payouts brought against your business for:

• damage you cause while you’re in someone’s home
• injury to someone else, such as a customer
• damage to someone else’s property, caused by an employee

For example:

• a customer hurts themselves with your hair straighteners
• you sell a beauty product that injures someone
• you accidentally cut your customer with your scissors

Read more about public liability insurance

Employers’ liability insurance

In case your employees get injured or ill when working for you.

What’s typically covered by employers’ liability insurance?

Legal expenses and compensation payouts brought against your business for:

• legal or medical costs as a result of injury at work

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee says their long hours have made them ill, and sues you for damages

Tools insurance

In case your business tools are lost, stolen or damaged.

What’s typically covered by tools insurance?

• theft or accidental damage of your main business tools – such as scissors, clippers, or hairdryers

For example:

• someone breaks into your home and steals your equipment
• your clippers break after you drop them on the floor

Read more about tools insurance

Stock insurance

In case your styling products are accidentally damaged, lost or stolen.

What’s typically covered by stock insurance?

• accidental damage to items you sell to your customers – such as styling products
• theft of items you sell to your customers

For example:

• your styling products get damaged and you need to replace them

Read more about stock insurance

Business and office equipment insurance

In case your business equipment is stolen or damaged.

What’s typically covered by business and office equipment insurance?

• accidental damage to the equipment you use to run your business – such as laptops and printers
• stolen equipment
• fire or flood damage to your equipment

For example:

• your laptop and work mobile phone are stolen
• one of your mirrors is damaged

Read more about business and office equipment insurance

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tools cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does barber insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider hairdressing insurance or beauty insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

• Hair salon insurance
• Mobile hairdresser insurance
• Beauty salon insurance
• Mobile beauty insurance
• Makeup artist insurance
• Nail salon insurance
• Makeup artist insurance

Other Covers

• Freelance insurance
• Consultant insurance
• Sole trader insurance
• Self employed insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.