Hair salon insurance

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Hairdresser washing hair in salon

Why do you need hair salon insurance?

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.


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 £4.74 per month

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Example hair salon insurance quotes, real prices

chiswell insurance

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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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.


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 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527

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Contact us on our website whenever suits you

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Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


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.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

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.



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. 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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