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Mobile Hairdressing Insurance

Insurance that’s as flexible as you are, so running your business is slick and easy.

You’re likely to have a lot of different clients as a mobile hairdresser. From elderly people who are unable to get to a salon, to people who appreciate the convenience of a hairdresser coming to them, as well as those preparing for special occasions. One thing they all expect is a professional service and we provide tailored mobile hairdresser insurance to make sure you’re always covered.

Every skilled professional can sometimes make mistakes. Accidents can happen such as snipping a client’s ear or burning them with hot styling tools. As you’re working in other people’s homes you could also cause damage to their property, like dropping chemicals onto their carpet, and be left with a big bill. Public liability insurance for mobile hairdressers covers you if one of your clients or a member of the public sues you for injury or damage. This element of your mobile hairdressing insurance package could also cover you for compensation payments and any legal fees.

Likewise, if you’re providing a specific treatment and this causes injury to your clients, you’ll need treatment cover. We cover a wide range of treatments as standard, some of which you can see below. If you do need something specific, speak to our team and we can advise you on what’s available.

As a mobile hairdresser you may also need goods in transit cover to protect your valuable equipment and any stock you carry against damage. If you’re unsure of what cover you need, or at which level, our team can discuss this with you. If you also use one vehicle mainly for work, you could consider commercial vehicle insurance.

Did you know that smei also arranges makeup artist insurance, nail technician insurance and beauticians insurance?

Cover Available for Mobile Hairdressers**

As a mobile hairdresser, you won’t necessarily have permanent business premises and so your requirements are likely to be different to salon owners. The key types of cover you may typically require are:

  • Public liability

  • Goods in transit

  • Employers' liability

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 20% With Us *

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564
Premiums from as little as £29.89

In the past 12 months our customers have paid as little as £29.89 per annum for hairdressers' insurance.

50% of our hairdresser customers paid less than £321.48 per annum.***

* Please click here to view our pricing disclaimer.

** Cover available may differ dependent upon insurer.

*** Data compared from 2195 policies sold in 2020.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business.

FAQs
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.

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.

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Please note we are unable to quote for Takeaway Delivery Drivers or Couriers - TEST

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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