Running a hairdressing business involves managing risks, from accidents in your salon to missed appointments. Business insurance is an essential safety net to protect your livelihood and ensure your business thrives even when challenges arise. Here’s an overview of the key types of insurance every hairdresser should consider.

1. Public Liability Insurance

   Public liability insurance is crucial for any business that interacts with clients. It protects you against claims if a client or member of the public is injured or their property is damaged during an appointment. For example, if a client trips over equipment or reacts to a product you used, public liability insurance could cover legal fees and compensation.

2. Professional Indemnity Insurance

   Professional indemnity insurance protects you if a client claims your advice or service caused them harm or financial loss. This is particularly important for hairdressers, as treatments like colouring or chemical applications can sometimes have unexpected results.

3. Employers' Liability Insurance

   If you hire employees, even on a casual or part-time basis, employers' liability insurance is a legal requirement in the UK. It covers claims from employees who are injured or fall ill due to their work.

4. Equipment Insurance

   Your tools are essential to your work. Equipment insurance covers the cost of repairing or replacing your tools if they’re lost, stolen, or damaged. Some policies also cover mobile hairdressers who transport their equipment between clients.

5. Business Interruption Insurance

   This type of insurance provides financial support if your business operations are disrupted due to events like a fire, flood, or other unforeseen circumstances. It helps cover lost income and operating expenses while you get back on your feet.

6. Income Protection Insurance

   As a self-employed hairdresser, your income depends on your ability to work. Income protection insurance provides a safety net if you’re unable to work due to illness or injury, covering a portion of your lost earnings.

Choosing the Right Policy

When selecting business insurance, consider your specific risks and business model. Many providers offer tailored insurance packages for hairdressers, including coverage for salons, mobile operations, or freelance setups.

Having the right insurance gives you peace of mind and ensures your business can withstand unexpected setbacks. Protect your livelihood with coverage that meets your needs and helps you focus on growing your hairdressing career.