Join over 14,000 beauty salons & hairdressers like you with public liability cover from £3.19 per month*
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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.
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.
Hair salon public 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.
In case someone suffers injury or property damage as a result of your hair salon business.
Claims against your business for:
For example:
Read more about public liability insurance
In case your employee gets sick or injured as a result of working for your hair salon.
Claims 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 something happens to the premises where you run your hairdressing salon.
For example:
What you’ll need additional cover for
Read more about buildings insurance
In case something happens to your business and office equipment.
For example:
Read more about business contents insurance
In case something happens to the hair products you sell or the materials you keep in stock.
For example:
Read more about stock insurance
In case you’re faced with legal costs in the day-to-day running of your hair salon.
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
For example:
Read more about personal accident insurance
In case your hair salon is unable to trade for a period of time.
For example:
Read more about business interruption 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.
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£30.49 /month
£271.03 /year
A local hair salon situated on the high-street with 1 employee (who is qualified)
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Contents
Not included
£52.26 /month
£464.52 /year
An independent hair salon situated within a shopping centre with 3 employees (who is qualified)
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 30/03/2022). 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 |
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.
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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.
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?
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about buildings and contents.
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.
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?
If you provide other services, 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 two levels of coverage – £2 million or £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
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.
Paying 80% of settled claims within 24 hours in 2022
Having hairdressing salon insurance through Simply Business has saved hair salons thousands of pounds when the unexpected happened.
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.
£10,549.87
Covering the cost of exposure to harmful substances
£100
The excess amount stated in Adeyinka policy terms
We started out as a team of five back in 2005. We’ve grown since then with 900,000 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 hairdressing salon insurance. You can also check out our business insurance FAQs.
There’s one type of insurance that you may be required by law to have in place, and that’s employers’ liability insurance. This applies to all salon owners who employ people, whether permanent members of staff or temps. It offers protection in case a member of your team gets injured or becomes seriously ill as a result of working for you.
You’ll probably also be interested in public and product liability insurance. This covers you against accidental damage and injuries that could crop up in the life of a salon, so many salon owners consider it essential for safeguarding their business against the unwelcome costs of things going wrong.
And as the salon owner, you may be responsible for the salon premises itself, so do remember to think about building insurance.
Together, those three core covers will likely provide the foundation of the hair salon insurance you’re looking for.
Other covers that are worth considering for hair salon owners include:
Whenever your work involves contact with members of the public, there’s always a risk that you (or the products you sell) could injure someone or damage their belongings by accident. That’s why public and product liability insurance is an important type of cover for many hair salons.
And remember, if you’ve got employees working for you at your hair salon, you’re required by law to take out employers’ liability insurance.
Are you responsible for the salon premises itself? If so, it's important to know that you may also need to buy building cover.
There’s also a risk that the equipment and tools you’ve invested in could get stolen or damaged, so contents cover is worth considering too.
It’s partly a question of choice, and partly a question of obligation.
Have employees? You’re legally obliged to take out employers’ liability insurance. This covers claims from employees who’ve been injured or become seriously ill over the course of their work for you.
Worried about causing accidental damage and injury? You’ll want to look into public and product liability insurance. In fact, if you rent a chair in a salon, this may be a condition of your rental agreement.
Want to make sure you’re covering the equipment you’ve invested in? It’s worth knowing about tools insurance and business and office equipment.
And keep in mind, if you’re a self-employed hairdresser who isn’t personally responsible for the salon premises where you work, you wouldn’t need to include building cover in your policy. This means that hairdresser insurance might be a more appropriate solution than hair salon insurance. Sounds like you? Make sure you set your trade to 'hairdresser’ instead of ‘hair salon’ when you get a quote from us.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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