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Hairdressers Insurance

Insurance that’s styled and straightforward, so you can focus on running 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 policies from various leading UK insurers and specialist providers that can be styled to your needs.

By having the essential hair dressers insurance you require, 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 Salon M in Wallasey, Wirral (pictured above). So whether you own your own salon, rent a chair, run a mobile hairdressing business, work from home, have a number of employees, or work for yourself, speak to us to see how we can help you get comprehensive insurance tailored to your business.

Did you know that smei offers specialist nail technician insurance as well as general beauty insurance?

Cover Available for Salons **

  • Public and products liability

  • Employers liability

  • Contents cover

  • Buildings cover

  • Business interruption

  • Money on premises or in safe

  • Money on the premises outside business hours

  • Money at home of insured or authorised employee

  • Goods in transit

  • Glass

  • Legal expenses

  • Book debts/accounts receivable

  • Loss of rent receivable

  • Tenants improvements

  • Subsidence

  • Terrorism

  • Embedded breakdown

Cover Available for Freelance Hairdressers / Self-employed Hairdressers**

If you are a freelancer or a self-employed hairdresser, you may not have permanent business premises and therefore your requirements are likely to be different to salon owners. The key types of cover you may typically require are:

  • Public liability

  • Employers liability

  • Goods in transit

Hairdressing Treatments

The typical hairdressing treatments covered as standard are:

  • Hair cutting, styling, washing, perming, drying, colouring, and bleaching

  • Use of clippers/trimmers

  • Special treatment of hair – straightening and conditioning treatments

  • Use of electrical equipment such as tongs, curlers, straighteners, and hairdryers

  • Hair extensions if incidental to mainstream hairdressing

You Could Save Over 15% With Us *

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, free quote today.

Quote line: 0330 134 4564
Premiums from as little as £33.00

In the past 12 months our customers have paid as little as £33*** per annum for hairdressers insurance.

Over 58%**** of our hairdresser customers paid less than £340 per annum in the past 12 months.

* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Cover available may differ dependent upon insurer.

*** Data compared from 3255 policies sold between November 2017 and November 2018. 

**** Based on 3255 policies sold between November 2017 and November 2018, 1926 customers paid less than £340.

Why Do I Need Insurance?

Some types of insurances may be a legal requirement to protect you and your business. Others may not be compulsory, but advisable to protect you in the event of a claim. Not having the appropriate insurance for your business could be a false economy. For example, if you don’t have the appropriate protection for treatments and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements and provide you with peace of mind that a claim won’t be damaging to your business.

What Cover Do I Need?

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.

How Much Does Insurance Cost?

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.

What Treatments Are Covered?

Public liability insurance is a critical type of cover that a hairdresser requires and protects a wide range of scenarios; for example, if you accidentally cut a customer with scissors. However, if a specific treatment causes injury, you will need treatment cover. As standard, we cover a wide range of treatments (some of which are listed on the hairdressing page), but if you’re looking for something specialist, just speak to our team and we can advise you on what’s available.

Can you Insure me if I Rent a Chair in a Salon?

Yes, we offer quotes for freelance hairdressers, self-employed hairdressers, and barbers.

Where Can I Find a Full List of the Insurance Features Available?

The cover we arrange will vary depending on your requirements so we don’t have one extensive list of features. However, if you tell our team what you need then we’ll search for the cover features you require from our panel of insurers.

Do you offer Mobile Hairdresser Insurance?

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 a bride preparing for her big day. 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.

Do you offer Public Liability Insurance for Mobile Hairdressers?

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.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Salon M in the Wirral is one of our high street heroes. Visit them at:

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smei is always best. We have more than 10 hair salons and we work with them, never forget the renewal time, never renew the policy without asking, customer service always polite and solving the problems quickly.

Suleyman Demirdag

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