Hair & Beauty Insurance

Working in the hair and beauty industry means you’ll naturally be working very closely, and personally, with your clients. You’re also likely to be working with chemicals as part of the treatments, including hair removal, bleach, perm, and dye. These can be dangerous if used incorrectly and, in the event that serious damage is caused, you could be held liable if your client decides to take legal action. Having insurance in place, however, means you won’t be left footing the entire bill, which could get very costly and runs the risk of putting you out of business.

Insurance is vital for mobile and freelance hairdressers. Without this insurance in place, you’ll be responsible for paying all compensation costs if a customer suffers an injury during the treatment you provide. The most important type of insurance for mobile hairdressers is public liability and treatment risk insurance. This protects you against any compensation claims that customers may file against you. For example, if a client suffers a reaction to a hair colour treatment, or you spill hair dye or bleach on their expensive clothes, they could file a lawsuit against you.

As you’ll be working directly with clients, we would strongly recommend taking out insurance for mobile beauty therapists. In some cases, you may even be handling chemicals that could react with each other if mixed incorrectly, or bring about a negative reaction in the client. In these cases, they could file a lawsuit against you and, without the proper beauty insurance coverage, you’ll be financially responsible.

The cost of your hair and beauty insurance depends wholly on what you need your policy to cover. Insurance typically starts at less than £50 per year, which includes public liability and treatment risk insurance as standard. However, if you need additional coverage, such as insurance for completing advanced beauty treatments, this annual price will increase.

If you own a hair salon, the cost of your insurance will depend on what you need to cover. If you employ a team of hair stylists and beauticians in your business, then you must hold an employers liability policy, which is a legal requirement. This is an additional cover which will increase the cost of your premium. You may also want to take out policies for personal accidents, and stock and equipment, protecting you from damages caused by an accident, as well as damage or theft to your equipment. Build your personal insurance package with the help of our team today.

When you take out an insurance policy with Salon Gold, you’re covered from the moment you buy. There’s no waiting around for your documents as you’ll be covered instantly.

A Salon Gold insurance policy for hair and beauty automatically includes public liability, product liability, professional treatment risk liability, and financial loss. This is the basic package that you will need as a hair and beauty therapist. However, if this isn’t extensive enough for your business needs, get in touch with our team to build your tailored package.

Rather than working in a salon, freelance beauty therapists are mobile professionals who travel to their clients to provide treatments. This can include anything from hair treatments, like cutting and dyeing, to massages, hair removal, and nail services. They also tend to work alone without any employees or a team.

The short answer to this is yes. While you may be partially covered under the business insurance, you won’t technically be classed as an employee, as you are renting your own space. It’s generally always best to have your own insurance in place, so you know exactly how well you’re protected financially, rather than relying on someone else’s insurance policy to cover you.