Hairdressers Insurance | Hairdressing Liability Insurance

Flexible Hairdressing Insurance Tailored to Your Business

Hairdressing businesses come in many different forms, each one with a unique set of circumstances or challenges. So, one rigid insurance policy may not work for everyone.

This is why we listen, advise, and then style the hairdressers insurance cover that is appropriate for your business. Let us do the hard work of searching for the cover you require, so you don’t have to.

Also, unlike some direct insurers or online comparison sites that may only be able to offer standard features, we have access to a range of flexible hairdressing policies from various leading UK insurers and specialist providers that can be styled to your needs.

By having the essential insurance in place, such as public liability insurance for hairdressers, you can focus on the smooth running of your business and keeping your customers looking great, safe in the knowledge you are protected in the event of an accident or incident.

We're passionate about championing the high street and helping hairdressers like Hairworks in Normanton, Yorkshire (pictured above). So, whether you're a self employed hairdresser, own a salon, rent a chair, run a mobile hairdressing business, work from home, or have a number of employees, speak to us to see how we can help you get comprehensive hairdressing insurance tailored to your business.

Did you know that smei can arrange specialist nail technician insurance as well as general beauty insurance, and mobile hairdresser insurance?

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Get a tailored hairdresser insurance cover today.

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Key features and benefits

Premiums from £346 per year.*
Quotes from a panel of A-rated insurers.
Single, flexible policy - tailor made to suit your requirements.
Dedicated adviser throughout your policy.
No midterm amendment fees should you need to make a change.
Access to a 24-hour legal helpline.
Flexible payment options including direct debit.
Access to documents anytime, anywhere via our secure portal.

Book debts/account receivable.
Buildings cover.
Business interruption.
Contents cover.
Embedded breakdown.
Employers liability insurance.
Glass.
Goods in transit.
Legal and compensation costs..
Loss of rent receivable.
Money at home of insured or authorised employee.
Money on premises or in safe.
Money on the premises outside business hours.
Public and products liability.
Subsidence.
Tenants improvements.
Terrorism.

Employers liability.
Goods in transit.
Public liability.

Premiums from as little as

£346

In the past 12 months our customers have paid as little as £346 per annum for hairdressers insurance. That’s just £7 per week!

50% of our hairdresser customers paid less than £537 per annum.***

Hair cutting, styling, washing, perming, drying, colouring, and bleaching.
Hair extensions if incidental to mainstream hairdressing.
Special treatment of hair – straightening and conditioning treatments.
Use of clippers/trimmers.
Use of electrical equipment such as tongs, curlers, straighteners, and hairdryers.

What other cover might you need?

Any business owner should consider personal accident cover. This can cover costs if you're unable to work because of an injury. If you provide advice to your clients as part of your hairdressing business, you may also want to think about professional indemnity insurance. This can protect you if a customer claims you have been negligent or breached your professional duty.

You Could Save Over 30%*

Contact our team to receive a no obligation, instant quote today.

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* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 845 policies sold in 2023. 140 customers paid £346 or less, which represents 17%. £7 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Hairdresser insurance FAQs

Yes. As a mobile hairdresser, your clients are likely to vary greatly, from busy executives that are time-poor and love the convenience of a hairdresser coming to them, to the elderly who are unable to travel, or anyone preparing for a big celebration. However, they all have one thing in common: they expect a professional job and maybe a little pampering too. We provide mobile hairdresser specific insurance to make sure your business is covered.

Yes. No matter how skilled and experienced you are, accidents sometimes happen. A momentary lapse in concentration could result in an accidental snip on your client's ear, or a burn caused by hair straighteners. If you drop chemicals onto your client's expensive carpet, you could be left facing an expensive bill for replacement. Public liability insurance for mobile hairdressers provides cover if a client or member of the public sues you for injury or damage. This key element of your insurance could cover you for the compensation payment and any associated legal fees.

The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So whether you're a salon owner, freelancer, or are a mobile hairdresser, we will search for the cover you require and present you with the choices available. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will present you with the possibilities so you can make an informed decision on what option is most appropriate for you.

The main types of insurance are public and products liability, however each business is different so it’s worth discussing your needs with an insurance broker to make sure you don’t have cover that isn’t needed, and on the other hand you aren’t missing out on vital protection for your business.

The type of cover you need depends on the type of hairdresser you are. For example, all hairdressers need to have public liability insurance to cover their legal liabilities in the case of damage or injury to clients. Salon owners will need business interruption cover to ensure they're protected if, for example, fire prevents the business operating. Mobile hairdressers may need goods in transit cover to protect business equipment and stock against damage while in transit between customers. If you're unsure of the type or level of cover you'll need, our team will be able to help guide you.