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. Accidents can occur unexpectedly due to chemicals, dyes, and other substances.

At UK Sure, we understand the effort that goes into ensuring customer satisfaction. Business ownership can be challenging, so 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.

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What is hairdresser insurance?

Whether you're rocking it solo as a mobile hairdresser, styling from the comfort of your home, or making magic in a commercial studio, insurance is a game-changer! Hairdresser insurance is your safety net, ready to protect you from 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 creations. You're covered!

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Types of trades we cover

• Barbers

• Hairdressers

• Hair Stylists

• Makeup Artists

• Nail technicians

• Beauty Therapists

• Beauty Consultants

• Salon owners

• Skincare

• Cosmetologists

• Salon Managers

• Tattoo artists

• Aromatherapists

• Celebrity hairdressers

• Cruise ship hairstylists

• Film Hairstylists

• Hair colorists

• Hair Educators

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What does hairdresser & barber insurance cover?

Hairdresser and barber insurance safeguards you against various 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, which will frequently be a contractual obligation. But, legally, you don't need it. The only mandatory element is Employers' Liability; if you're a one-man band, 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 employer 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 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 with 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 provides coverage against employee claims. You should be insured for at least £ 5 million and must post your certificate for all staff to see.

• ​Protection up to £10 million

• Cover for your temporary staff

• Working partners are included in the policy.

 

What is the Employers' Liability Act?

The Employers' Liability Act 1969 (ELA) 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 due to their work, the employer may be liable for damages.