HAIR AND BEAUTY

INSURANCE

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HAIR AND BEAUTY INSURANCE

Hairdressers and nail salons can be found on high streets throughout the UK, providing us with the chance to treat ourselves to a bit of pampering, get our hair coloured a different shade or just to have a short back and sides to tidy ourselves up a bit.

Hairdressers can be based at salons or work on a freelance basis, usually operating from a mobile base such as a car or van and visiting clients’ houses. Using a van allows them to save on rent and to transport the tools they are comfortable with using.

Beauticians can also be based at one location or be mobile for home visits, in both cases it’s worth ensuring both you and your vehicle are insured against third party damage and also theft, as you’re likely to have a lot of expensive equipment needed to carry out treatments in your vehicle.

If you’re thinking of opening your own salon or becoming a mobile hairdresser of beauty technician, check out our guide on becoming a hairdresser for a few tips on where to start, including training.

Do I Need Insurance?

As with every business, you need to ensure yours is protected against claims brought against you and also to provide cover for employees in the event of incidents.

If you’re a salon owner, what would you do if something were to happen during one of your appointments? This can range from a slip by a trainee that may lead to injury, or a customer having an allergic reaction to a product you use, and you need to make sure you’re protected should these happen.

Membership of associations such as the National Hairdressers’ Federation and the Guild of Beauty Therapists could help you to reduce the costs of your hair and beauty insurance policy, be sure to ask your broker if this is something they offer.

What Is Covered In A Hair And Beauty Policy?

Hair and beauty insurance policies can help cover everything from your premises to your workforce; these will usually include cover for things like:

  • Business Interruption insurance – helps to cover the cost of a loss of income caused by a circumstance, usually weather or environmental-related incidents such as floods, that causes your business to close.

    Business interruption insurance can help with a lump sum payment to help get you by while you make repairs and get your business back to a state where you’re able to trade again.

  • Employers Liability – a legal requirement if you employ staff, helps to cover your business against claims made by your staff as a result of an injury suffered, or an illness brought on by work.

    This can help to cover you against mistakes made by your staff, including injuries sustained by a customer as a result of an allergic reaction caused by a product you use or even just by heating some wax too hot that it causes burns during application.

  • Public Liability – helps to protect your business against claims from third parties, including customers who may have been injured as a result of negligence during treatment, either by a mistake made by your staff or by one of the products that you use.
  • Contents insurance – helps to cover your equipment against damage or theft by third parties.
  • Buildings insurance – if you own your premises, buildings insurance can help cover you against damage caused by external forces, including extreme weather conditions and also damage caused by burst pipework.

What About Mobile Businesses?

If you own a mobile business and travel to your customers, you need to make sure that the vehicle you use is also covered, as well as the tools you keep inside, in the event of theft or damage as a result of an accident caused by a third party.

Many hairdressers and beauty technicians can operate using a regular car, but for businesses such as pet grooming or laser hair removal, a larger vehicle may be required.

If this is the case for you then you may need to look into some van insurance for your business vehicle, ensuring that the vehicle itself and its’ contents are covered against accidents and theft.

Looking for a better deal on insuring your salon? Fill out a few details about you and your business and let us here at Quotiva search for an attractive deal for you.

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