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As a barber, you face all sorts of risks on a daily basis – whether it's working with sharp scissors and clippers, or maintaining expensive equipment. Your business is important, so you should do everything you can to protect it with the right kind of insurance.
As a barber, you need to make sure you have the right type of insurance for your business. What happens if you hurt your customer accidentally? Or your haircutting tools get lost or stolen? Make sure your trade is covered with the right kind of barbers' insurance.
Public liability insurance
In case you accidentally hurt your customer.
Employers’ liability insurance
In case your employees get injured or ill when working for you.
Tools insurance
In case your business tools are lost, stolen or damaged.
Stock insurance
In case your styling products are accidentally damaged, lost or stolen.
Business and office equipment insurance
In case your business equipment is stolen or damaged.
In case you accidentally hurt your customer.
What’s typically covered by public liability insurance?
Legal expenses and compensation payouts brought against your business for:
For example:
Read more about public 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:
**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:
In case your business tools are lost, stolen or damaged.
What’s typically covered by tools insurance?
For example:
Read more about tools insurance
In case your styling products are accidentally damaged, lost or stolen.
What’s typically covered by stock insurance?
For example:
Read more about stock insurance
In case your business equipment is stolen or damaged.
What’s typically covered by business and office equipment insurance?
For example:
What you’ll need additional cover for
Read more about business and office equipment insurance
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.
£5.55 /month
£35.54 /year
A barber who rents a chair in a barber shop (but doesn't own the shop)
Public liability insurance
£1,000,000
Employers’ liability insurance
Not included
Tools insurance
Not included
£50.92 /month
£452.63 /year
A small barber shop in rented premises (cover needed for the business and employees, but not the building)
Public liability insurance
£1,000,000
Employers’ liability insurance
£10,000,000
Tools insurance
£5,000
How we work out example quotes These examples are real quotes from our online system (created 04/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
You'll get a complete breakdown of the excesses for each quote when you compare with us. The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does barber insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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 insurance.
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.
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.
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?
If you provide these services alongside building work, make sure you’re covered:
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.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team for free
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2019
Having barbers’ insurance through Simply Business has saved barbers thousands of pounds when the unexpected happened.
Stuart (not his real name) allowed his customer to bring their dogs into the barber shop. His employee tripped over one of the dogs and broke both of their elbows. Luckily, Stuart’s insurance covered the cost of the claim.
£16,834.00
Covering the cost of a slips, trips and falls claim
£100
The excess amount stated in Stuart's policy terms
We started out as a team of five back in 2005. We’ve grown since then with 750,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about barber insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
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