Mobile hairdresser insurance

Public liability insurance

In case your hairdressing business and products cause an injury or property damage.

What’s typically covered by public liability insurance for mobile hairdressers?

Claims against your business for:

• damage to someone’s property, because of your mobile hairdressing business
• an injury caused by your business activities and products
• accidental damage or injuries caused by your employee, if you have one

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

• a client has an allergic reaction to the hair dye you’ve used, and needs medical treatment
• your trainee damages the client’s wedding dress during a hair-up booking

What you’ll need additional cover for

• do you have a salon? If so, you may need buildings cover to protect your business premises. Start a new quote and choose ‘hairdressing salon’, instead of ‘mobile hairdresser’

Read more about public liability insurance

Employers’ liability insurance

In case something happens to an employee while they’re working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that comes as a result of working for you (including temps and casual workers)

**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 assistant claims for damages, after developing migraines while working for you
• a trainee injures themselves because they didn’t get enough health and safety training

Tools insurance

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

What’s typically covered by tools insurance?

• your hairdressing equipment, like your handheld tools or portable electronics
• theft or accidental damage while your tools are on a client’s premises, or in transit (in the UK, and in a vehicle you own or lease)

For example:

• a flood at your business premises damages your hair dryer, curling tongs and straighteners
• your tools bag is stolen from your passenger seat, while you wait at a red light

Read more about tools insurance

Stock insurance

In case the products you rely on are lost, stolen or damaged.

What’s typically covered by stock insurance for mobile hairdressers?

• loss, damage or theft of the essentials you keep in stock, like shampoo and styling products

For example:

• during a burglary, your new stock of bleach and hair dye are stolen from your business premises
• a fire damages the stock of styling products you need for a wedding the next day

Read more about stock insurance

Business and office equipment insurance

In case something happens to equipment like your phone or laptop.

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

• theft of the equipment you use to run your business, like your phone or laptop
• accidental loss of your equipment
• flood, fire or accidental damage

For example:

• the tablet and business phone you use to manage your hairdressing bookings are stolen in a burglary
• your hairdressing chair gets damaged in a fire and needs replacing

What you’ll need additional cover for

• your handheld hairdressing equipment, such as scissors and curling tongs – make sure you add specific tools cover when setting up your policy

Read more about business and office equipment insurance

Legal expenses insurance

In case you’re faced with legal costs while running your mobile hairdressing business.

What’s typically covered by legal expenses insurance?

• legal costs associated with day-to-day operations, like an employee dispute
• property damage, nuisance or trespass and associated legal costs
• HMRC, tax and compliance issues, if they come up
• includes a tax advice helpline, a 24/7 confidential legal helpline and crisis PR support to help you protect your reputation as a highly recommended hairdresser

For example:

• you run into a dispute with your client, who claims you haven’t met your contractual obligations
• a wedding season temp you’ve hired brings a case against you for unfair dismissal

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident at work or elsewhere.

What’s typically covered by personal accident insurance?

• injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
• lost income, hospital bills or other medical costs associated with the accident

For example:

• you’re helping a bride get ready and trip over the cord of your straighteners, breaking your ankle
• your temp shuts their hand in the car door while shopping after work

Read more about personal accident insurance

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.

Does mobile hairdresser 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 mobile beauty insurance or makeup artist insurance?

Do I need cover for other types of work?

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

• Insurance for hairdressers
• Barber insurance
• Hair salon insurance
• Beauty salon insurance
• Beauty insurance
• Nail technician insurance

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Contractors insurance
• Sole trader 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.