Mobile Hairdressers Insurance

Insurance for Freelance and Mobile Hairdressers

As a mobile hairdresser, you'll likely snip and style a diverse clientele. From those who find it difficult to visit a salon, people who value the convenience of a cut in the comfort of their own home, to clients gearing up for special events.

Our tailored mobile hairdresser insurance is as flexible as you are. So while you’re making your clients feel good about themselves, you can feel confident your business is protected, no matter who you're trimming.

Key Features and Benefits

• Premiums from as little as £126.86.** 
• Quotes from a panel of A-rated insurers.
• Single, flexible policy — tailor-made to suit your requirements.
• Dedicated adviser throughout your policy.
• No mid-term amendment fees should you need to make a change.
• Policies include up to £5 million for public and product liability and professional treatment liability cover.
• Cover for various treatments and therapies.
• Cover whether working from a salon, your own home, or a client's premises.
• Access to a 24-hour legal helpline.
• Flexible payment options including direct debit.
• Access to documents anytime, anywhere via our secure portal.

What's Insured?

Our mobile hairdressing insurance covers can be styled to suit your business and typically include:

• Employers liability cover ‒ in most cases, this is a legal requirement if you employ staff. It protects you and your business if one of your employees gets ill or is injured at work. If there are legal defence costs or compensation claims, you’ll be covered.
• Public liability cover ‒ since you will be visiting clients’ homes or welcoming other people on to your premises, you should have this insurance cover in place. It will protect you if someone makes a claim for an injury they sustained like a slip, trip or fall or if their possessions are damaged.
• Goods in transit ‒ as a mobile hairdresser, you will be transporting your equipment between jobs, therefore it is worth considering goods in transit insurance to protect your equipment whilst it is on the move in your vehicle.

We can also arrange makeup artist insurance, nail technician insurance and salon insurance.

If you mainly use one vehicle for work purposes, you should consider commercial vehicle insurance.

What Type of Mobile Hairdresser Insurance do you Need?

There are many risks associated with treating clients in their homes. Regardless of your skill and expertise, accidents can happen. We're here to arrange a mobile hairdressing insurance policy to suit your business.

Our mobile hairdresser and self-employed hairdresser insurance cover can include:

Public liability insurance

Even experts can make mistakes. Spilt hair dye on the carpet, a chipped floor after dropping your hair dryer, or an expensive lamp getting knocked after a close encounter with your hairdryer cord. Injuries and damages to property can lead to unexpected costs.

Mobile hairdresser public liability insurance protects you should a client or a member of the public suffer illness or injury, or their property is damaged ‒ due to your negligence.

Treatment liability insurance

A ‘standard’ public liability policy may not extend to cover you if you accidentally injure someone whilst cutting their hair, burn them with straightening irons or any other incidents that are as a result of the treatments you provide.

Cover is usually an extension of your public liability policy and will specify the treatments being insured. It’s important to disclose all treatments to insurers and this is reflected within your policy documentation. If you’re unsure if a treatment is covered, our team is here to help answer your questions.

Business property damage

Kitting out your mobile hairdressing business doesn't come cheap. Think about the impact on your clients and your business if any tools of your trade, stock or supplies were lost, damaged or stolen, leaving you no option but to cancel appointments. Property insurance will cover the cost of replacing your valuable business equipment, ensuring minimal disruption to your business.

Product liability insurance

If you offer treatments or use products that could potentially harm your clients ‒ an allergic reaction from a new hair dye or a full head of highlights that results in a severe case of hair breakage, you need product liability insurance to protect against costly legal fees and compensation costs.

We offer a standard range of treatment covers, but if you require something unique, our team can provide guidance.

Goods in transit insurance

You'll need to protect your valuable equipment and any stock when travelling to and from your appointments. Goods in transit insurance will safeguard your valuable tools and products from damage while on the move.

Employers liability insurance

If you employ staff for your hairdressing business, whether on a casual, temporary or permanent basis, you're legally required to have employers liability insurance in place. If you don't, you could face a heavy fine from the Health and Safety Executive.

If you're unsure about the type and level of coverage you need, our team is here to help you make the right choice.

Personal accident cover

If you suffer an accident that leaves you unable to work, do you have peace of mind that you would be able to cover your bills and business expenses?

Personal accident cover can provide a lump sum or financial support in the event of accidental death, permanent and total disablement, loss of limb or loss of sight.

Quotes from well-known and specialist insurers, including: