Barber & Hairdresser
Insurance
Whether you operate a high street hair salon, rent a chair, or manage a barber shop, UK Sure can provide an insurance solution tailored to your needs.
As a hairdresser, stylist, or barber, you interact closely with clients to enhance their appearance and confidence. Given the use of chemicals, dyes, and other substances, accidents can occur unexpectedly.
At UK Sure, we understand the effort that goes into ensuring customer satisfaction. Business ownership can be challenging, that`s why having protective coverage can offer you peace of mind in worst-case scenarios. That's where our hairdresser insurance comes in, and we're here to assist you.
What is hairdresser insurance?
No matter if you're rocking it solo as a mobile hairdresser, styling from the comfort of your home, or making magic in a commercial studio, having insurance is a game-changer! Hairdresser insurance is your safety net, ready to protect you from all sorts of surprises in this exciting business. From the occasional dye mishap on a client’s outfit to those minor cuts and scratches, you can focus on what you love most—creating fabulous looks—while you're covered!
Types of trades we cover
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Barber
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Hairdresser
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Stylist
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Makeup Artist
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Nail technician
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Beauty Therapist
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Beauty Consultant
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Salon owner
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Skincare
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Cosmetologist
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Salon Manager
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Tattoo artist
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Aromatherapist
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Celebrity hairdressers
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Cruise ship hairstylist
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Film Hairstylist
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Hair colorists
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Hair Educator
What does hairdresser & barber insurance cover?
Hairdresser and barber insurance safeguards you against a variety of perils associated with your daily work. A robust insurance policy provides extensive coverage, given the things that can go awry. With our expert guidance, you'll gain clarity on your options, and we can highlight considerations you may not have previously thought about.
Here are some examples of what hairdresser and barber insurance can encompass:
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Public liability insurance for hairdressers
While there's no legal requirement to take out public liability insurance for hairdressers, it protects against claims made by customers or members of the public for injury and property damage connected with the day-to-day running of your business. Whether you are operating a mobile business or working from fixed premises public liability for hairdressers covers legal fees resulting from accidents and/or compensation claims.
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Self-employed hairdresser insurance
Self-employed liability insurance is available for independent hair stylists and hairdressing professionals. It is there to help protect you if a customer or member of the public is physically injured or their property is damaged due to any of your business activities. Legal fees and compensation can be expensive, and if you don't have self-employed hairdresser insurance in place, you could be liable for all the costs. Ask our team for more information about how this insurance could work for you.
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Hair salon and barber shop insurance
Owning and running a salon or barber shop comes with many risks. You should always want to protect your customers, premises, and stock, and with adequate hair salon and barber shop insurance, you can achieve this.
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Why do I need Insurance?
Your clients will expect you to have Public Liability Insurance as a minimum, and frequently this will be a contractual obligation. But, legally you don’t need it. The only mandatory element is Employers Liability and if you’re a one-man band then you don’t need that. However, If like most people, you don’t have surplus cash to cover a worst-case scenario, nor the time or expertise to sort a claim then Tradesmen insurance will ensure your bottom line won’t be hit if you have a claim – and you won’t have the lost time or stress of sorting a claim.
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How much cover do I need for employers’ liability?
The amount of employers’ liability insurance coverage you need depends on the size of your business, the industry you operate in, and the specific risks your employees face on the job.
The law requires a minimum of £5 million in employers’ liability insurance coverage for all of your employees, including part-time workers, contractors, and temporary staff.
Many businesses opt for higher coverage limits to ensure they are adequately protected in case of a claim.
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Is it mandatory to have employers’ liability insurance?
It is a legal necessity for most businesses to have employers’ liability insurance.
The only exceptions to this requirement are companies that have no employees or businesses that employ only close family members.
If a business operates without the legally required level of employers’ liability insurance, it can result in hefty fines and legal penalties.
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Businesses in the UK that employ staff are legally obliged to have employer’s liability insurance which will provide your business with cover against claims from an employee. You should be insured for at least £ 5 million and are required by law to post your certificate for all staff to see.
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​Protection up to £10 million
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Cover for your temporary staff
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Working partners are included in the policy.
What is the Employers’ Liability Act?
The Employers’ Liability Act 1969 (ELA) is a law that requires employers to have insurance to protect their employees in case of work-related injuries or illnesses.
Under the law, employers are legally responsible for the health and safety of their staff while they are at work. If an employee is injured or becomes ill as a result of their work, the employer may be held liable for damages.
How to buy
Simple Steps to Secure Coverage – Buy Insurance with Ease!
Submit a quote online
Pick what you need. Buy Hairdresser & Barber Insurance! If you have no employees, you don’t need to pay for employer's insurance. Similarly, if you rent your shop, you don’t need to pay for building insurance; that responsibility lies with your landlord.
Check your details and payment options
Get ready to secure your peace of mind! Once you've reviewed your quote details and are excited to move forward, simply confirm your preferred payment method, and we'll activate your insurance starting from your chosen date. Let's get you covered!
UK Sure does the hard work
​We dive right in, comparing hairdresser & barber insurance quotes from top insurers just for you! We’ll consider all the benefits you need. Get ready for a bespoke quote to your insurance needs, which we’ll email to you along with exciting payment options.
Policy Sorted
As soon as we get your confirmation, we'll activate your policy and send you the documents right away! You can kick back and relax, knowing your shop is fully insured. Plus, if you ever need to make a claim, we're here to help you every of the way!
How do claims work?
Tam de Franca - Claims
Our claims process
Unlike price comparison websites, we take the hassle out of claims. We know how important it is to get your business back on track quickly – and with minimum fuss. That’s why you get access to a dedicated claims team that will strive to liaise with your insurer to settle your claim quickly and hassle-free.
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Need to make a hairdresser & barber insurance claim?
Call our team on 01323 416706
UK Sure Customer Services
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