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.

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.

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.

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.

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

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.

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.

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: www.salon-m.co.uk/