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Barbers Insurance

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What is barber insurance?

Running a barbershop involved so much more than just cutting hair. Having the right insurance means making sure both your clients and staff are covered, as well as your barbershop premises, takings and equipment. Even if you just rent a chair and work as a freelance barber, you’ll still need to be protected in case a claim is brought against you.

Barbers insurance policies come in all shapes and sizes, so compare quotes to find the right one for you.

Why do barbers need insurance?

If someone is hurt or accidentally injured on your premises, you could be liable for any compensation. Having the right insurance protects you and your business, and means you have peace of mind that you won’t be left paying out on claims.

What insurance is right for barbershops?

  • Public liability cover

While not a legal requirement, public liability cover is a good idea for any business dealing with members of the public. This type of policy will cover you if someone is hurt on your premises. For example, if a client trips over a chair and hurts themselves, the policy will cover the cost of any compensation.

  • Premises cover

If your barbershop premises are damaged, for example by flood or fire, premises cover can help you get back on your feet without being left out of pocket.

  • Employer’s liability cover

This is required by law if your barbershop employs any staff, even if they’re only part-time or trainees. The policy protects you if an employee or ex-employee makes a claim against you.

  • Treatments liability insurance

If a client is hurt or injured as a result of a service or treatment you carry out, this policy will protect you. For example, if your barbers’ business offers shaving and someone is cut during a shave, or Turkish barber flaming services and someone is burnt.

  • Stock or contents insurance

The contents of your barber shop can be protected against damage or theft with stock insurance. This policy will cover replacement stock, so you’re not left out of pocket from having to buy replacement items.

  • Personal accident cover

As a barber, your hands are your livelihood! Some policies may offer the option to add personal accident cover, to cover damage or loss of use of your hands related to your barbershop business.

How do I find the right barbershop business insurance policy?

The cost, scope and type of policies available for barbers can vary widely. Always talk to a range of insurers, who will be able to quote the best premium for your individual needs.

Most insurers will want to see that you hold any relevant qualifications as a condition of eligibility for barbers’ insurance.

How can I save money on barbers insurance?

  • Make sure you’re only paying for the cover you actually need
  • Compare quotes from a range of providers
  • Consider raising the excess on your policy
  • Ensure your premises are kept secure and that takings are kept under lock and key

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