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Hairdresser Insurance

Hairdresser insurance with individuality

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

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Why should I consider hairdresser insurance?

As a hairdresser, you’ll be aware of the effect that your work can have on your clients’ self-image.

Nearly 70% of women say their hair is important to their overall wellbeing and self-esteem. This can make your role and responsibility as a hairdresser really rewarding, but it can also come with risks.

Whether it’s an accident, working with chemicals or sharp tools, theft of your valued equipment, or accidental damage caused by a client—a simple mistake can prove costly.

You may want to consider hairdresser insurance even more as a freelance or mobile hairstylist, as you’re just as vulnerable to the same risks as larger businesses, yet it can be far more difficult to cover the costs yourself.

If you have your own hair salon, you may want to consider hair salon insurance through Ripe. We also offer barber shop insurance if you’re a barber shop owner.

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

What does hairdresser 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

We will not cover 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.

  • 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.  

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

We provide up to £500k of cover 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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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

Check out profile

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.

 

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

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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The ultimate guide to choosing a hairdresser uniform
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How to rent a chair in a salon
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, yourself, 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 but are not limited to; how many years of experience you have, where you’re based, and the type of cover you require.

      Here at Ripe, we give you as much control as possible over your policy so that you’re not paying for cover you don’t need. Hairdresser insurance through Ripe provides public and products liability cover as well as treatment risk cover as standard, with a wide range of optional add-ons to tailor your policy to your business needs.

    What is included with hairdresser insurance?

    • Depending on your business, hairdresser insurance can include:

      • Public liability insurance: protection should you be held liable for injury to another person (such as a client) or damage to third-party property

      • Employers’ Liability Insurance: protection should an employee fall ill or get injured at work. This cover is a legal requirement if you have any employees (full or part-time) working for you

      • Equipment Insurance: protection should your hairdressing equipment or tools get damaged or stolen

      • Building Insurance: protection for your business or salon premises in the event of damage leading to repairs

    What information do I need to get a quote for hairdresser insurance?

    • To get a quote from us, you’ll need to know the type of policy you’re looking for as well as your main trade (you have the option to add further trades if you wish) and how many years of experience you have.

      We’ll also need to know your business’ details and what cover you would like to include in your policy. Get a quick quote online today.

    What’s the difference between business insurance and hairdresser insurance?

    • There are various differences between standard business insurance and hairdresser insurance. Insuring your business through Ripe with specialist hairdresser insurance allows you to tailor your policy specifically to your business. For example, standard business insurance may not include things like treatment risk cover, which you can opt to include in your hairdresser insurance policy.

    Do self-employed and freelance hairdressers need insurance?

    • Whether you rent a chair in a hair salon or work as a freelance or mobile hairdresser, hairdresser insurance through Ripe provides the same cover and policy options, so you are afforded the same benefits of taking out a policy with us. This includes public and products liability, treatment risks, stock, equipment, and money, and legal cover.

    How do I make a claim?

    • If you need to make a claim, then simply call us on 0333 400 9296 to speak with our claims handlers at The Davies Group. Their opening hours are 9.00am to 5.30pm from Monday to Friday, excluding bank holidays. You can also send them an email at newclaim.smallbusiness@davies-group.com.

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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