If you are a mobile hairdresser, then you will need all of the specialist cover that any hairdresser would need, as well as dedicated insurance to cover you for the unique risks associated with visiting customers at their homes.
In this post we will list the key types of insurance for mobile hairdressers. If you have any questions, or if you would like a free quote on your specialist hair insurance, get in touch with us today.
What Insurance Do Mobile Hairdressers Need?
Public Liability Insurance
This is an essential form of cover for mobile hairdressers. This will cover you for any accidents that may take place when you are visiting a customer at their home. This can include anything, from accidentally spilling a product or a cup of coffee, to scorching an item of furniture with some unattended hair straighteners.
In the event of such an incident, your public liability insurance can cover the costs of any necessary repairs or replacements.
Treatment Risk Cover
This can cover you for incidents relating to the services you provide. Many things can go wrong when you are giving a customer a haircut: You might slip and accidentally cut their ear. You might accidentally catch them with your hair straighteners. Or they might have an allergic reaction to a product you use.
In these cases, if the customer decides to make a claim against you, your treatment risk insurance can cover your legal fees, along with any compensation they may be due.
Contents Cover for Your Equipment
This can cover all the equipment you use to do your job, including your hair products. If you are a mobile or a freelance hairdresser, your contents insurance should cover your equipment when you are transporting it from one place to another. It will also cover your equipment when it is in storage, even if you store it in your own home.
Your contents insurance will cover the costs of repairs or replacements if any of your equipment or products are ever lost, stolen, or damaged.
Personal Accident Cover
If you are a mobile hairdresser, then you are very likely working on a freelance basis, which means that you probably cannot rely on statutory sick pay if an accident, injury, or illness ever prevents you from working. Personal accident cover can be included, which provides a lump sum, following accidents that lead to a serious injury, or permanent total disablement. It can also provide a weekly benefit, as a result of accidents leading to temporary disablement. Alternatively, you may wish to consider accident and sickness insurance.
Employer’s Liability Insurance
Finally, if you employ any staff, even if it is just on a part-time basis, and even if they are related to you, then you have a legal duty to get employer’s liability insurance.
This will cover your staff for any accidents or injuries they may sustain while on the job.
How to Choose The Right Cover For Your Mobile Hairdresser Business
If you are not sure how to meet all of your insurance needs as a mobile hairdresser, we are here to help.
Talk to us, and we will take the time to understand you, your business, and the unique risks you are facing. We can then help you access specialist insurance that will meet all of your needs at a truly competitive price.
Find out how we can help you today.