Mobile hairdresser insurance

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Mobile hairdressser cutting a clients hair

Why do you need mobile hairdresser insurance?

Whether you’ve got years of experience or you’re just starting out, any haircut is a trust exercise. Even if it’s styling rather than trimming, accidents do happen. Insurance for mobile hairdressers can be a game-changing tool, covering your hard work and vital equipment against unexpected claims.

  • protection from hard-hitting claims for accidents and injuries
  • cover for what you need like your kit and product stock
  • renting a chair in a salon? Don’t worry, it won’t affect your policy’s price

What does mobile hairdresser insurance cover?

We’ll start with public liability insurance, which can cover you against accidents in a client’s home, at a venue or somewhere else. You might want to add cover for your essential kit – from hair tools to newly-ordered stock and supplies. Freelance hairdressing insurance which includes personal accident cover is also handy, if an unexpected injury stops you working.

How much does mobile hairdresser 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

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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Example mobile hairdresser insurance quotes, real prices

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



Employers’ liability

No excess

No excess







Business and office equipment



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

Pick what goes into your policy

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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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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

Peter (not his real name) tripped while walking to his car at a client’s wedding, chipping two bones in his right ankle. Luckily he’d added personal accident cover to his mobile hairdressers’ insurance policy, which covered his costs.

Peter saved more than £15,100.57

Covering the cost of personal accident

Mobile hairdresser 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 mobile hairdressing insurance. You can also check out our business insurance FAQs.

Because you’re in close contact with clients and you visit them at home, protection for public liability claims can provide a certain amount of peace of mind. It works to cover you for injury and damage claims, usually from clients or members of the public.

For example, imagine your equipment burns a hole in your client’s carpet, or a chemical causes damage to their scalp. Your mobile hairdresser public liability insurance could cover the legal fees and compensation payment, which may take into account costs like medical bills and lost income.

Public liability insurance will be a key cover for many mobile hairdressers – it’s built to cover you for injuries and property damage, if your client makes a claim.

Alongside this important cover, you may want to add insurance for things like your essential business equipment, tools and stock. And if you employ anyone (including contractors, temporary staff or apprentices), employers’ liability cover is usually a legal requirement.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

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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