Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK hairdressers — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Hairdressing combines close client contact with chemicals, heat and sharp tools. Insurers look closely at what treatments you offer, who carries them out, and how chair rental arrangements are set up.
Policies typically cover the treatments declared at application — cutting, colouring, chemical straightening, extensions. Offering a treatment you haven't declared, especially a higher-risk one, can leave a related claim unsupported.
Colour, bleach and relaxer treatments carry a real risk of burns or allergic reactions. Following patch-test procedures and manufacturer guidelines isn't just good practice — insurers may expect to see it followed to support cover.
If you rent a chair to a self-employed stylist, the salon's own policy generally doesn't extend to their work. Most salons require renters to evidence their own public liability — and ideally employers' liability if the renter has staff — before they start.
Insurers expect treatments to be carried out by trained, qualified operatives. Keeping dated training records for each team member — including juniors learning new services — helps support a claim if a treatment goes wrong.
Covers claims where a product used or sold causes injury or damage, separate from treatment risk, which covers the service itself. Salons retailing aftercare products should check both are in place.
Straighteners, tongs and dryers are a recognised source of burns and a contributing factor in some salon fires. Standard contents and public liability cover responds, provided equipment is well maintained.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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