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Hairdressing Insurance

Hairdresser insurance with individuality

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

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What is hairdressing insurance?

Hairdressing insurance protects you against risks you may face in your role, such as accidental damage to a client’s property or claims of injury during a treatment. At Ripe, we arrange tailored insurance for mobile and self-employed hairdressers, alongside cover for barbers, hair salons, and beauty salons—giving you the confidence to focus on your career.

Mobile hairdressing insurance

As a mobile hairdresser, your work comes with unique challenges. Travelling to your clients’ homes means you’re constantly on the move, and your tools and equipment are vital to your trade. What would you do if your styling kit was stolen from your car, or you accidentally injured a client while working?

Taking out mobile hairdressing insurance through Ripe can protect you from these risks since it includes Public Liability cover and Equipment cover to safeguard your business against the unexpected.

Self-employed hairdresser insurance

When you are self-employed, you are your own boss—which also makes you responsible for managing potential risks. A single claim could have a major financial impact on your livelihood, especially without the backing of an employer.

Self-employed hairdresser insurance through Ripe can provide financial protection and reassurance should you need to defend yourself against a third-party claim from a client or protect your income if an injury or illness prevents you from working.

Explore Page

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

What does hairdressing insurance through Ripe cover?

What's covered

  • Public and Products Liability—up to £10m cover included as standard for protection against third-party claims for injury or property damage.
  • Treatment risk cover—protects your liability against third-party claims following hair and beauty treatments up to the value of £3m.

What's optional

  • Contents, stock, and shop front cover—includes fixtures and fittings, up to a combined value of £250k.
  • Employers’ liability—protects your liability following illness or injury to an employee up to the value of £10m.
  • Buildings cover—up to £500k of cover for your salon’s building, including any outbuildings, walls, gates, and fences.
  • Teaching cover—provides teaching cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.
  • Money cover—covers 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—up to £100k for costs incurred from defending or pursuing a claim for a range of legal issues.

What's not covered

  • Working abroad—only policyholders working in the UK can be covered.
  • Treatments involving the use of injections—alongside a list of specifically excluded treatments.
  • Injury to the public whilst teaching—students must have their own hairdressing insurance cover to protect their liability.
  • 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 money cover—excludes theft from employees if not reported to the police within 7 days and theft from an unattended vehicle.

Read our mobile, freelance and rent a chair product information document for full cover details.

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Meet our expert

“Hairdressers insurance protects you against claims for accidental injury or property damage, as well as damage or theft of your equipment.”

Charlotte Hughes

Product Development Manager

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Why consider hairdressing insurance?

Hairdressing may seem low-risk compared to other professions, but accidents can and do happen—and the costs can quickly add up. Say your equipment is damaged or stolen, or a client suffers an allergic reaction to a chemical used during their treatment?

At Ripe, specialist hairdressing insurance protects you and your business against these situations, allowing you to focus on helping your clients look and feel their best.

What treatments are covered with hairdressers insurance?

Specialist hairdressing insurance through Ripe includes cover for the following treatments:

  • washing, styling, cutting, and drying of hair
  • tinting, dyeing, bleaching or permanent waving of hair
  • eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*
  • eyelash treatments, including tinting, lifting, perming and applying false eyelashes, including semi-permanent eyelash extensions*
  • cutting and shaping of nails, including application of acrylic coatings
  • ear piercing by gun and stud method
  • use of electrical equipment such as tongs, curlers or straighteners
  • use of cutthroat razors, hair clippers and trimmers

*Patch testing required.

You can learn more in our hairdressing insurance booklet.

Hairdressing insurance FAQs
  • How much does hairdressing insurance cost?

    • There are several factors that determine the cost of your hairdressing insurance, such as:

      • your experience level
      • your location
      • the type of cover you select

       

      At Ripe, we give you as much control as possible over your policy so that you’re only paying for the cover you need. The quickest way to determine the cost of your hairdressing insurance policy is to get an instant online quote.

    Do hairdressers need insurance?

    • While mobile or self-employed hairdresser insurance isn’t legally required if you work alone, you may want to consider cover for peace of mind when working with clients. It can protect you against risks like theft, damage, and third-party claims—any of which could significantly impact your business as a sole trader.

      However, if you own a salon or employ others, hairdressing insurance that includes Employers’ Liability cover is a legal requirement.

    What is Public Liability cover for a hairdresser?

    • Public Liability cover protects you, your employees, and your business against legal action if any of the following occur:

      • accidental damage or injury caused by you or an employee
      • illness or injury caused by a product, yourself, or a business activity (such as a client experiencing a reaction after receiving a hair treatment)
      • damage to another person’s property caused by a business activity

       

      Specialist hairdressers insurance through Ripe includes Public and Products Liability cover as standard.

    Do I need permission to run a hairdressing business from home?

    • Yes—you’ll likely need permission to run a hairdressing business from home, depending on your location and circumstances. You may need:

      • planning permission if your hairdressing business changes the primary use of your property
      • landlord or leaseholder approval if you rent your property or you don’t own the freehold
      • insurance considerations—if your home insurance doesn’t cover business activities, you may want to consider specialist hairdressing insurance that includes public liability and professional indemnity
      • health and safety practices in place, such as meeting regulations set by the Health and Safety Executive
      • tax and business registration if your turnover exceeds the threshold (with HMRC)

       

      Confirming these things with your local council, your landlord, and your home insurance provider is a good idea to ensure compliance.

Help and advice for hairdressers

Hairdressing & salon blog

Hairdressing and salon expert tips, advice, and guides

From mastering your craft to managing your salon and staying ahead of trends, our guides have expert insights to help you thrive in the industry! 

Check out our blog here

Start your own beauty 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 guide 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

Other hair and beauty trades we insure

Hair Salon

Hairdressers insurance

Barbers

Hairdressers insurance through Ripe

Nail Technicians

Hairdressers insurance UK

 

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

 

Important documents

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

Content reviewed: 30th August 2024

Reviewed by: Charlotte Hughes

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