What requirements are there for Self-Employed Hair & Beauty insurance?

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As a hair and beauty professional, you’ll know the importance of carefully planning each treatment and meeting the needs of you client. That can often involve bringing together a number of different elements and requirements can vary from client to client.

If you are running your own hair and beauty business, taking out insurance can be quite similar. There are a number of different factors to consider before taking out a policy, so it’s best to be prepared before signing on the dotted line. So what do you need to do before purchasing a business insurance policy for your hair and beauty operation?

Firstly, you’ll need to work out what kind of cover you need to have in place. There are a number of vital components any hair and beauty professional will need.

Treatments risk insurance

An absolute must for someone working in hair and beauty. This will protect you for claims made against you by a client if they feel they have suffered due a treatment you have administered. They may have suffered an allergic reaction to a product you have used or been injured or had property damaged in some way. With treatments risk, you can fight any such claim, with your legal expenses and any compensation covered.

Public liability insurance

This has a broader scope than treatments risk as it can apply to clients or members of the public who have been injured, fallen ill or had their property damaged due to your business operations

Employer’s liability insurance

If you have anyone working for you, you are required by law to have employers liability insurance. Even a self-employed hair and beauty can have someone working for them, even on a casual basis.

What other information do I need

You will need to provide an insurer with details of your operation. This will include your name and main address and where you carry out most of your work. This is will help insurer determine the level of risk involved and therefore how much your premium will cost.

You will also be required to provide details of any previous claims you have made on your business insurance, so it may be a good idea to dig out any paperwork you have.

If you have any other queries about your cover, it’s always best to ask your insurer before you take out the policy and changing details further down the line can be more difficult.

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