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Barber Shop Insurance

Barber shop insurance with individuality

  • UK customer service team
  • Quick and simple process
  • Over 25 years' experience
  • Award-winning insurance

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What is barber shop insurance?

Whether you’re thinking of branching out into owning a barber shop, or if you already own a barber shop, considering insurance is a great way to achieve peace of mind if accidents happen.

Barber shop insurance gives you financial protection covering your business against the unexpected.

To ensure you have an insurance policy that suits you, through Ripe you can customise your insurance to include different levels of protection—such as cover for your contents, stock and shop front, or your liability to employees and customers.

Why choose Ripe

Insurance you can get creative with

The beauty of our flexible cover means you choose what you need and won't pay for anything you don't.

Beautifully simple

We've made taking out cover online super quick and beautifully simple, with no lengthy forms or confusing jargon.

We wow our customers too!

Not only is our cover rated 'Excellent' on Trustpilot, but 98% of our customers intend to renew their cover with us.

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Our cover
Important documents
Why choose us?
FAQs
Help and advice

What does barber shop insurance with Ripe cover?

What's covered

  • Public and Products Liability

Up to £10m of cover is included as standard and can protect you against third-party claims for injury or property damage.

  • Treatment risk cover

Protects your liability against third-party claims for injury or property damage following hair and beauty treatments up to the value of £3m.

What's not covered

  • Working abroad

Policyholders working in the UK can be covered. However, claims brought in from another country cannot be covered.

  • Treatments involving the use of injections

Any treatment involving the use of injections will not be covered. This is alongside a list of specifically excluded treatments, which will also not be covered.

  • Closure due to disease

Any business interruption due to disease outbreaks classified as pandemics by the World Health Organisation will not be covered.

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles cannot be covered, unless all points of access are locked or the vehicle is stolen at the same time. 

  • Exclusions to buildings, shop front, and contents cover

Excludes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.

  • Exclusions to money cover

Excludes theft from employees if not reported to the police within 7 days and theft from an unattended vehicle.  

What's optional

  • Contents, stock, and shop front cover

You can cover your contents, stockup to a combined value of £250k.

  • Employers’ liability

This cover protects your liability following illness or injury to an employee up to the value of £10m.

  • Buildings cover

Up to £500k of cover is provided for your salon’s building, including any outbuildings, walls, gates, and fences.

  • Teaching cover

Provides cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.

  • Money cover

You can cover the theft of money from your business up to the value of £2,500.

  • Business interruption

Covers loss of turnover or the additional costs of keeping your business running up to the value of £500k if you cannot trade.

  • Legal cover

You can select up to £100k of cover for costs incurred from defending or pursuing a claim for a range of legal issues.

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Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Other beauty trades we insure

Hairdressers

Hair Salon

Nail Technicians

 

We also cover a list of treatments included as standard for each profession. You can view them here.

 

Why choose us?

You can get the specialist cover you need easily, leaving you to focus on your clients.

  • Insurance with individuality

Just like your services will be unique to each of your clients, you can tailor your insurance to suit the unique needs of your business.

  • We keep our customers happy

Over 320,000 happy Ripe customers already trust us for their insurance cover. Join them and enjoy the confidence it brings.

  • We’ve got good chat

Like you, we know how important it is to build a rapport with your clients, so our UK based customer service team is on-hand to talk.

Find out more

Barber shop insurance FAQs
  • Why do barbers need insurance?

    • Though as a barber you will be skilled in hair cutting, accidents can happen.

      With barber insurance you can have the peace of mind that if something were to go wrong you would be legally protected.

    What does barber shop insurance cover?

    • The type of cover included in barber shop insurance will differ on a variety of things, such as whether you have any employees or will be teaching.


      As standard barber shop insurance with Ripe includes, Public and Product Liability and Treatment risk cover.

    How much does barber cover cost?

    • The cost of barber shop insurance can vary depending on a few things, such as:

      • the total number of staff you have

      • the location of where your business is

      • the type and level of cover you decide to choose

      Deciding to get insurance with Ripe, will mean you can tailor your insurance cover to suit your needs.

      We strive to make insurance simple, to help you save money and time by receiving an online quote.

    Do I need insurance if I employ staff in my hair salon?

    • Yes. In most cases, it is a legal requirement to have valid Employers’ Liability insurance. This can be included as an extra when customising your policy with Ripe.

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Help and advice for your business

A guide to starting a beauty business

Looking to start your own beauty business? Here is our ultimate guide on how to get started.

Read our business guide here

The ultimate guide to hairdresser equipment

As a hairdresser, it's vital that you have the right tools. Here is our guide on getting the best equipment.

Read our guide here
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