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Hairdressers' Public Liability Insurance

Hairdressers' insurance with individuality

  • UK customer service team
  • Rated ‘Excellent’ on Trustpilot
  • Underwritten by Aviva
  • Award-winning insurance

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What is Public Liability insurance for a hairdresser?

Public Liability insurance gives you, your employees and your business protection against legal action if the following were to occur:

  • An injury or accidental damage caused by you or an employee
  • Illness or injury caused by a product, you or a business activity (such as a client experiencing a reaction after receiving a hair treatment)
  • Damage to someone’s property caused by a business activity.

While you work hard to provide excellent service to your clients, accidents can happen at any time, even in seemingly safe environments. For example as a hairdresser you will probably often deal with water and various hair products, which can make the floors slippery. It takes just one small spill or unnoticed wet spot for a customer to slip and fall, leading to injuries. If this happens on your premises, the customer may hold you liable for their medical expenses and any other related costs. Therefore if you have Public Liability insurance in place, you can focus on delivering excellent service without worrying about the possibility of unforeseen liabilities.

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.

We'll beat your renewal quote

Receive our best price without compromising on the quality of coverage.

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 hairdressers Public Liability 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

Only policyholders working in the UK can be covered. Claims brought in from another country cannot be covered.

  • Treatments involving the use of injections

Cover will not be included for any treatment involving the use of injections, alongside a list of specifically excluded treatments.

  • Injury to the public whilst teaching

Teaching cover does not include this, as students must have their own insurance to protect their liability.

  • Closure due to disease

Business interruption cannot be covered due to disease outbreaks classified as pandemics by the World Health Organisation.

  • 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, stock, shop front, fixtures, and fittings up 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

Beauticians

Nail Technicians

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

Hairdresser insurance FAQs
  • What type of hairdressing insurance should I consider?

    • The insurance cover you decide to choose will depend upon the business you are running.

      Factors you may want to consider include:

      • Location of work: are you freelance, do you work at home or in a salon, do you own a salon?

      • Employees: do you have employees who work for you?

    What is public liability insurance for a hairdresser?

    • Public Liability insurance gives you, your employees and your business protection against legal action if the following were to occur:

      • an injury or accidental damage caused by you or an employee.

      • illness or injury caused by a product, you or a business activity (such as a client experiencing a reaction after receiving a hair treatment).

      • damage to someone’s property caused by a business activity.

    How much does hairdresser insurance cost?

    • The cost of hairdresser insurance can differ depending on a variety of factors. These can include, and are not limited to:

      • years of experience.

      • type of cover you require.

    Why should I consider hairdresser insurance?

    • As a skilled professional you would hope that accidents won’t happen—but they can.

      Whether it is an accident, working with chemicals or sharp and hot tools, theft of your valued equipment or accidental damage caused by a client—it’s unavoidable to completely prevent risk and a simple mistake can be costly.

      As a freelance or mobile hairstylist, you may want to consider hairdressers insurance even more, as you’re just as susceptible to the same risks as bigger businesses, yet it can be far more difficult to cover the costs.

      Hairdresser insurance enables you to be protected against claims for accidental injury or property damage, as well as damage or theft of your equipment.

    What is included with hairdresser insurance?

    • Depending on your business, hairdresser insurance can include:

      • Public Liability Insurance: protecting you against injuring someone, such as a client or damaging their property.

      • Employers’ Liability Insurance: by law if you have any employees (full or part-time) you will have to consider this insurance—it provides protection if an employee is injured or gets ill at work.

      • Equipment Insurance: protecting you if your hairdressing equipment or tools are damaged or stolen.

      • Building Insurance: covers your business or salon premises if it were to be damaged and/or need repairs.

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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13 skills every hairdresser needs to thrive
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How to rent a chair in a salon

*10% discount is applied to the first year's policy premium. 

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