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Freelance and mobile hairdresser’s insurance made it easy
Finding the right hairdressing insurance for freelance and mobile hairdressers can be a time-consuming business. As well as figuring out what cover you need, you also need to make sure you’re getting the best possible price and package for your circumstances.
Mobile hairdresser insurance packages come in all shapes and sizes. As well as basic liability cover, there may be additional extras you can add to your premium for added peace of mind.
What type of insurance do I need?
The two main types of insurance available for freelance and mobile hairdressers aim to protect both:
- Yourself and your business
- Your clients
Hairdresser’s treatment liability cover
If you do colour for a client and they have a bad reaction to the product you use or even accidentally cut your client during a haircut, they could claim you. Having hairdressers’ treatment liability cover (sometimes known as treatment risk cover) in place means you will not have to foot the bill yourself.
If you work from your own home or offer hairdressing to clients in their own homes, there is always the risk that something could go wrong. Treatment risk cover means you can relax, knowing that you are covered even if the worst happens.
Mobile hairdresser public liability insurance
Public liability cover for mobile and freelance hairdressers differs from treatment risk cover. With this type of policy, you are covered against claims from any member of the public.
For example, if you are styling a client’s hair in their own home, and their child is burnt by your unattended straighteners you could be liable. Or if you are a wedding hairstylist working in a venue, and a member of the bridal party trips over your equipment and is injured, you could find yourself defending a claim.
Public liability cover is available up to £ 5 million and is a good idea for anyone operating any kind of business which comes into contact with the public.
Business stock insurance
As a mobile hairdresser, you might sell styling products or tools as part of your service to clients. This type of insurance covers the replacement of your stock if it is damaged or stolen.
Business interruption insurance
Protecting your livelihood if you’re unable to work for any reason is important for freelance and self-employed hairdressers. This type of policy will pay out an agreed amount if you have to stop working due to illness or injury.
Do you need employers’ liability insurance?
If you work alone on a freelance or self-employed basis as a hairdresser, then you do not need to include employers’ liability on your policy. However, if you take on an apprentice or trainee, you’ll need to include this type of cover by law to protect both of them and you in case of a claim.
How to get the best price on insurance for freelance and mobile hairdressers?
Always shop around. By comparing rates from different providers you’ll be able to select the best policy for your needs and get the best price possible.