Do Self Employed Hairdressers Need Insurance?
Strictly speaking, self-employed hairdressers do not need insurance from a legal perspective. However, the reality of a hairdressing environment with so much chatter and noise from tools acting as a distraction, not to mention a wide array of chemicals in use, means a mishap is a real possibility. It only takes one seemingly small incident to suddenly develop into a huge legal battle, which could put a huge strain on your business.
Therefore, insurance will cover you as a self-employed hairdresser for several scenarios. It is something that’s highly recommended to have in place, should you have to pay any fees and recover your business if a client or member of the public takes legal action against you.
What Insurance Does A Self Employed Hairdresser Need
A self-employed hairdresser might need product liability insurance, treatment liability insurance and public liability insurance. These types of insurance cover the treatments you carry out, the safety of those around you, and the products you sell to your clients.
As a self-employed hairdresser, you will not have insurance cover from an employer so you will need to buy your own coverages – there are several insurance options, depending on what applies to your business.
For self-employed hairdressers who also employ others, you’ll also need to look at employers’ liability insurance too.
Hairdresser Product Liability Insurance
Covers legal and medical expenses for claims made by your clients or members of the public, who are injured or have their property damaged due to products you have supplied to them.
If you sell your clients any at-home treatments such as shampoos, conditioners, styling products etc then you will need product liability insurance.
Scenario example: You sell a client a product to help maintain their colour, but it causes their scalp to blister.
Hairdresser Treatment Liability Insurance
Treatment liability insurance covers treatments you carry out or advice you give to your clients, in case they are dissatisfied or have an allergic reaction to the treatment. You must declare what treatments you carry out to your insurance provider, as you’ll only be covered for treatments listed on your policy documents.
Treatments are an essential part of hairdressing and include the basics such as hair cutting, colouring and extensions, right through to permanent straightening and Brazilian blowdries. As it’s not always easy to meet every client’s expectations, treatment liability insurance is a sensible choice.
Scenario example: A client undergoes a colour transformation from dark brown hair to blonde hair, which causes their hair to snap off.
Employers’ Liability Insurance
Cover in case your employees injure themselves or fall ill as a result of working for you. If you are a self-employed hairdresser who also employs other stylists or an assistant, then employers’ liability insurance is a legal requirement.
Scenario example: A pair of extremely hot curling irons are left plugged in by one employee. A junior stylist picks these up without realising and severely burns their hands and is unable to work as a result.
Public Liability Insurance for Self Employed Hairdressers
Public liability insurance offers self-employed hairdressers cover for any accidental injury or damage to third parties like clients. In terms of being a hairdresser, your clients and anyone who visits your salon or comes into contact with you whilst working – even while in a customer’s home – is considered the public.
While public liability insurance is not a legal requirement, given compensation claims can cost anywhere up to £250,000 to settle, it’s better to have cover then try to pay such extortionate legal claims by yourself.
In an ideal scenario, members of the public would not become injured or have their property damaged either accidentally or due to negligence on your part. Though even if you’ve had decades of experience as a hairdresser this is something you still can’t guarantee, especially while working in a customer’s home.
Do You Need Liability Insurance If You’re Self Employed Hairdresser
Yes, self-employed hairdressers should have liability insurance to cover not only your legal fees but any amount you have to pay out should a client take legal action against you. There are several different types of liability insurance you may wish to consider, aside from public liability insurance.
Product liability insurance will cover any claims made by your clients or members of the public, who are injured or have their property damaged, due to products you have supplied to them. One such scenario would be hair dye, which can be very messy to apply. If the dye was to get into a client’s eye or stain their basin, they could come after you for damages.
As a hairdresser cannot work without products, and you may also supply products to increase your profits, so having cover in the form of product liability is essential.
Self Employed Hairdresser Insurance Quotes
There is a wide range of companies who offer insurance for self-employed hairdressers. Aside from the cost, you need to consider the specifics of the cover, to make sure it matches the treatments you offer, along with the different environments you work in, such as in customer’s homes.
Make sure the insurance provider is accessible at all times so that you can sort a claim immediately if needed. Any reviews you can find from other self-employed hairdressers will also be helpful, to make sure you get the right cover for your business.