Hair salon insurance
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For 80% of settled claims
Why is hair salon insurance important?
The work that happens at your hairdressing salon can make someone's day – and while your customers aren’t thinking about what could go wrong, you need to make sure you're prepared. From slippages to allergic reactions, from customers to staff, insurance helps you guard your business against mishaps.
- Cover against legal and medical costs due to mistakes, accidents, injury and damage
- Confidence to keep going when an unexpected event gets in the way
- Protect what makes your salon special, including equipment, furniture, and the premises
What does hair salon insurance cover?
You have a range of options to choose between, so we’ll help you tailor your policy. Many hair salons consider public and product liability insurance essential. And if you employ people, the law says employers’ liability insurance is a must-have. Beyond that, you can tailor your cover to meet the needs of your business.
Public and product liability insurance
In case someone suffers injury or property damage as a result of your hair salon business.
Employers’ liability insurance
In case your employee gets sick or injured as a result of working for your hair salon.
Building insurance
In case something happens to the premises where you run your hairdressing salon.
Contents insurance
In case something happens to your business and office equipment.
Stock insurance
In case something happens to the hair products you sell or the materials you keep in stock.
Legal expenses insurance
In case you’re faced with legal costs in the day-to-day running of your hair salon.
Personal accident insurance
In case you or anyone you've covered has an accident.
Business interruption insurance
In case your hair salon is unable to trade for a period of time.
Public and product liability insurance
In case someone suffers injury or property damage as a result of your hair salon business.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage caused by you to someone else’s belongings while they’re at your hairdressing salon, or as a consequence of a product you’ve sold to them
- injury caused by you to someone else while they’re at your hairdressing salon, or as a consequence of a product you’ve sold to them
- accidental damage or injury caused by your employee (remember, if you employ people at your hair salon, you must have employers' liability insurance – it’s a legal requirement)
For example:
- a customer suffers an allergic reaction to a chemical in the dye you’ve used on their hair
- the elderly mother of one of your regular customers slips on a shampoo spillage on the floor and dislocates her knee
- your salon assistant spills coffee over a customer’s cashmere scarf, and they’re holding you responsible for the cost of a replacement
- a customer reacts badly to a bottle of body lotion you’ve sold them
Read more about public liability insurance
Employers’ liability insurance
In case your employee gets sick or injured as a result of working for your hair salon.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- staff members (including temps as well as permanent employees) suffering an injury as a result of working for you
- employees becoming ill as a result of the work they do for you
**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 trainee hairdresser has an allergic reaction after washing the highlight foils out of a customer’s hair
- your receptionist alleges that his sciatica has worsened due to being on his feet all day, so he’s suing you for damages
Building insurance
In case something happens to the premises where you run your hairdressing salon.
What’s typically covered by building insurance?
- the cost of repairing the structure of the building (or in the worst case scenario, rebuilding it from the ground up)
- damage to the fixtures and fittings in or on your hair salon
- damage to the underground pipes and cables you’re responsible for as the business owner
- flood, fire, accidental, or malicious damage
For example:
- water damage from a burst pipe means you need to rebuild the interior of your salon
- graffiti is sprayed all over the front of your salon overnight, so you need to get it professionally cleaned
What you’ll need additional cover for
- any changes to the structure of your hair salon that you’ve arranged and paid for yourself, such as partition walls or wooden flooring – these are called “tenants' improvements”, and you’ll need to cover them separately
Read more about buildings insurance
Contents insurance
In case something happens to your business and office equipment.
What’s typically covered by contents insurance?
- accidental damage to the business equipment you use at your hair salon, including the furniture
- theft of your business equipment
- flood, fire, and accidental damage to your business equipment
For example:
- the tablet, laptop, and mobile phone that your salon uses for taking bookings are stolen in a break-in, so you need to replace the items
- your designer sofas, reception counter, hair product display cabinets and sound system are destroyed in a fire
Read more about business contents insurance
Stock insurance
In case something happens to the hair products you sell or the materials you keep in stock.
What’s typically covered by stock insurance?
- the cost of replacing your stock (i.e. the hair products you keep at your salon to sell to customers) if it’s lost, stolen or damaged – either at your salon or in transit
- the cost of replacing the materials you need for carrying out hair appointments if they’re lost, stolen or damaged
For example:
- a fire destroys the hair colouring liquids and bleach powder that you store in a cupboard at the back of the salon, so you need to buy more
- there’s a burglary overnight at your hair salon, and your shampoos, conditions, hair masks and styling products are stolen from your display cabinet
Read more about stock insurance
Legal expenses insurance
In case you’re faced with legal costs in the day-to-day running of your hair salon.
What’s typically covered by legal expenses insurance?
- the cost of resolving tax and compliance issues
- the cost of resolving disputes with salon employees
- support from relevant experts – this may include telephone helplines for tax and legal advice, and crisis PR support to help you rebuild trust in your salon’s brand reputation
- property damage, nuisance, or trespass, resulting in legal claims and associated costs that are yours to bear
For example:
- you’ve let an employee go and they’re accusing you of unfair dismissal, so you need a lawyer to help you defend your position
- your hair salon is being investigated for suspected tax evasion, and you need an accountant to assist you with the enquiries
- you’ve been selected randomly for an audit by HMRC, and you need an accountant to help you (and any other directors) with the enquiries into your salon business and into your personal tax affairs
Read more about legal expenses insurance
Personal accident insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
- claims due to injury or death (both at work and outside of work) for any person who you’ve named in your policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you trip over a customer's bag in the salon and break your wrist, leaving you unable to do any haircutting for over a month
- your employee shuts their hand in the car door on the way into work
- your assistant gets food poisoning at an event at the weekend
Read more about personal accident insurance
Business interruption insurance
In case your hair salon is unable to trade for a period of time.
What’s typically covered by business interruption insurance?
- loss of income following a fire, flood, theft, or accidental damage that forces you to close up for a while
For example:
- your hair salon is destroyed in a fire and you have to rebuild and redecorate the interior, so you can’t fulfil any bookings for a month
Read more about business interruption insurance
How much does hair salon insurance cost?
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.
Prices start from £5.24 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
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.
Example quotes, real prices
£40.23 /month
£357.57 /year
A local hair salon situated on the highstreet with 1 employee (who is qualified)
- 3-4 years' experience
- Limited company
- 1 employee
- Based in Newcastle upon Tyne
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Contents
Not included
£47.12 /month
£418.85 /year
An independent hair salon situated within a shopping centre with 3 employees (who is qualified)
- 5+ years' experience
- Limited company
- 3 employees
- Based in Newtownabbey
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Contents
£15,000
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.
What kind of excess should I expect?
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 |
| Stock | £100 | £500 |
| Contents | £50 | £750 |
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.
How it works
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We handle claims, so you can get on with business
How do I choose insurance?
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.
Is public liability enough for third party property damage?
Which type of workers do I need insurance for?
Does hair salon insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Is public liability enough for third party property damage?
You may need more than public liability to cover certain types of damage.
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about buildings insurance and contents 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 hair salon 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 mobile beauty insurance?
Do I need cover for other types of work?
If you provide these services alongside building work, make sure you’re covered:
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 two levels of coverage – £2 million or £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
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 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.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
Example claim
Having hairdressing salon insurance through Simply Business has saved hair salons thousands of pounds when the unexpected happened.
Adeyinka saved more than £10,500
At Adeyinka’s hairdressing salon (name changed for privacy), a customer asked to go a lighter shade of brown. A patch test was carried out for the brown dye. The customer then returned for the colouring appointment a few days later and unfortunately suffered a reaction to the bleach. Fortunately however, when the customer claimed for damages, Adeyinka’s insurance took care of the expense.
Insurance payout
£10,549.87
Covering the cost of exposure to harmful substances
Adeyinka costs
£100
The excess amount stated in Adeyinka policy terms
Chosen by 750,000 small businesses
We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
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Hair salon insurance FAQ
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 hairdressing salon 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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