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Compare Beauty Salon & Hairdresser Insurance
Hair and beauty insurance is a very specific type of policy that provides protection to people working in the hair, beauty and salon industries. These policies are designed to provide protection against the most common hazards found in hair and beauty, including compensation claims from customers who have been affected by your business.
As your beauty and hair or barber shop business grows, it can be easy to forget the importance of having comprehensive insurance, and it can be tempting to cut down your policy to cover outgoings in other areas. But leaving yourself short of cover could lead to serious financial issues if a client or customer ever makes a claim against you – we never like to think about it, but the worst sometimes does happen.
To ensure you get the right coverage for your business, and at the right price, Make It Cheaper will provide a comprehensive comparison of products offered by selected insurers, to find the barber shop insurance or hairdressing business insurance that best suits your needs.
What should my hairdressing insurance cover?
When looking to take out professional liability insurance for a hairdresser, there are various factors that you must first consider to ensure you get the right policy for you. The main priority when comparing hairdresser insurance quotes is to make sure that you are covered for all eventualities. While the price will be an important factor, the priority should always be having the right level of cover in place.
You should make yourself familiar with the various types of cover required for hairdressers and salon owners, as well as the legal requirements, such as the need for salons to have appropriate fire-fighting and personal protective equipment. You will also be required to follow workplace and employer regulations, such as the Control of Substances Hazardous to Health (COSHH).
Do mobile hairdressers need insurance?
It’s common for hairdressers and beauty professionals to make home visits to their customers. Such mobile working is becoming more common in this industry, and so insurers are now trying to provide individuals with much more suitable cover. So, if you are on the move, it is possible for your business to be insured even if you are not working from a hair-salon or barber shop premises.
Mobile working obviously throws up its own specific risks, and therefore the insurance policy you take out should accurately reflect such demands, including contents insurance, liability insurance, personal accident and sickness insurance and legal expenses insurance. Because of the many different issues involved, combined with the fact that it’s a business venture, it is recommended that you speak with our team who will help you understand your needs and help you make a decision.
What treatments does hair and beauty insurance cover?
Because of the nature of hair and beauty treatment, there is the need for hairdresser insurance liability cover that provides you and your business with adequate protection.
The reason such specialist insurance cover is required is that standard public liability insurance does not always provide cover for more precise circumstances, such as an injury claim being made against you due to services that you have provided. And because various treatments involve the use of harmful chemicals, you must always ensure that you are fully covered before providing such treatments.
When comparing cover, always make sure any professional liability insurance for hairdresser and salons covers every possible risk. If your insurance isn’t sufficient for your needs, a claim could see you out of pocket, or even out of business.
What other risks should I insure against?
As with any type of business, there are various risks involved, many of which are often overlooked. To ensure you are fully covered, you should take the time to work out the many different risks in your business operations. For example, self employed hairdresser insurance is recommended for people who work for themselves, as this can provide you with financial protection should you suddenly find yourself unable to work due to illness or injury. Other types of beauty salon insurance can also feature legal expenses cover, which provides cover should you find yourself involved in legal action.
Why compare hairdresser insurance?
With so many different types of hair salon insurance available, it can be difficult to know which is best for you. Whereas in the past, performing such a price comparison would be difficult, time consuming and often frustrating, Make It Cheaper can help you in making an effecting and informed decision and helping to ensure you get the best price for your salon insurance for you.
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Our experts will compare quotes from the UK’s most trusted insurers and adapt your insurance to suit the needs of your business.