Operating as a hairdresser, without insurance cover for you and the business, is both silly and dangerous. You never know what can go wrong in your line of work. You might have made a hair structure analysis on one of your clients that was inaccurate, when doing a perm on their hair, ending up with the hair falling out. Hair bleach that went wrong and ended up orange instead of a blonde-haired woman has a distinct possibility of another catastrophe, or even flat-ironed hair that ends up singed and looking like rats tails. With all these horror stories in mind, you simply must have hairdressers public liability insurance.
Cover for both Salon and Mobile Hairdressers
Even if you do not work in a salon, you still need cover for mobile hairdressing, as now there is a tendency for people quickly sueing for compensation for any little mishap, and there is a definite increase for claims from hairdresser and therapists. Without hairdressers insurance, you stand the chance of a heavy payment from your own pocket, both to the client and further for the legal fees involved.
With public liability cover, you have peace of mind for amongst other things, any spillage that could stain a client’s carpet, or treatment from a product that ended up damaging a client’s hair, or even for lost and damaged equipment used in your professional capacity.
Types of Liability Insurance
Employer’s liability cover is legally required if there are staff in your employ. This is necessary for salon and freelance hairdressers. It covers for accidental death, body injury and disease that occur while in your employ. If you are in a partnership, you can also insure against injury to working partners under this section.
Public Liability Insurance covers financial damages and legal expense of death, injury or the damage to property to members of the public from your hairdressing business.
Professional Treatment and Product Liability covers for claims of injury or damage caused by treatments and beauty products that you use. This covers for allergies or injuries to products you supplied and used on a client, even if there was no negligence on your part.
Hairdressers Public Liability Insurance is obtainable online with ease. Get quotes from Specialistrisks.