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Underwritten by Aviva Insurance Limited
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Barber Insurance

Barber insurance with individuality

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

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Why should I consider barber insurance?

As with any small business, there is always the potential risk of accidents. And in the event an accident does occur, it’s worth considering having financial protection.

Barber insurance is designed to protect you and your business against any potential claims from clients. It can also provide financial protection if something was to happen with your business premises or your equipment.

If you employ other people as part of your business, it’s also a legal requirement that you have Employers’ Liability cover to protect them against any potential personal injury claims.

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?
Help and advice

What does barber 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 £5m.

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

Beauticians

Nail Technicians

 

We also cover a list of treatments included as standard for each trade. 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 insurance FAQs

How much does barber insurance cost?

There are many factors that can affect the cost of your barber insurance. These can range from the amount of experience you have to where your business is based.

One of the main factors is the level of cover you choose. This is why here at Ripe, we give you as much control as possible over your insurance policy so then you’re not paying for cover you don’t need.

What insurance should I consider as a barber?

Public Liability is the main cover for barbers. This protects you from potential claims from a third party, for example personal injury, property damage, or treatment risk.

There is also additional forms of cover which include:

• Employers' Liability: if you employ people as part of your business, this is normally a legal requirement. It covers legal liability for bodily injury

• Equipment Cover: this covers damage or theft of equipment you use as part of your business

• Money Cover: this provides cover if any money you have on your business premises or in transit is stolen

• Buildings Cover: additional cover to protect the barber shop you own or you’re responsible for

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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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