Are treatments going wrong covered by public liability insurance?
You may wish to add treatment risk cover to your hairdresser insurance because, unlike public liability cover, this will protect you financially against treatments going wrong. This can be used to deal with the likes of an allergic reaction to a product you've used or an injury inflicted during the course of a treatment - such as a heat or chemical burn.
Do I need product liability cover?
From shampoos, conditioners and styling products to dyes and permanent hair treatment chemicals, you probably work daily with a wide range of products. Though you take great care to ensure the safety of your customers with measures such as patch testing, a faulty product can still lead to problems.
Product liability cover can be used if any product you use during your hairdressing work or supply to your customer causes an injury.
What cover do I need if I employ staff at my hair salon?
Hair salon insurance can be tailored to include employer's liability cover. It is a legal requirement in the UK to hold at least £5 million of employer's liability cover. This can be added to your hairdresser insurance policy and is a requirement even if you only employ part-time staff or are using trainees.
Employer's liability cover will be used if a staff member claims that working for your business resulted in illness or injury.
Will hairdresser insurance cover the contents of my salon?
Your hairdresser's equipment is invaluable to your work. Whether you have a large salon full of state-of-the-art equipment or carry the tools of your trade with you in your mobile service, you need to protect these assets.
In addition to equipment such as hairdryers and styling tools, contents cover can also protect your sinks, styling chairs and mirrors. You can also ask to cover the cost of your stock - both the products you use on clients and those that you sell.
I work from home. Will my home insurance cover my hairdressing business?
Your home insurance will not financially protect your hairdressing business. Furthermore, if you haven't let your home insurer know that you're running a business from the property, you may find that your home insurance policy is invalidated.
Taking out self-employed hairdresser insurance after discussing your business operations with your home insurer will ensure that your business and home are fully protected.