Hairdressing and salon insurance

NatWest can provide you with comprehensive hairdressing cover, whether you are a mobile hairdresser, a freelance barber or a salon owner.

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Cut hair, not corners: comprehensive hairdressing cover

Hairdressers are exposed to unique risks. If you are thinking of opening a salon, going freelance or setting up your own mobile hairdressing business, get adequate cover before going ahead. If you have an established hairdressing business, it's always useful to review your insurance to check that it provides the right cover for you.

Do stylists and barbers really need insurance?

Hairdressers, like all businesses, need to have the right level of cover to avoid incurring costs from claims which could risk their business, and reputation. Claims commonly result from:

  • cuts and bleeding
  • allergic reactions to chemicals
  • burns and bald patches caused by inappropriate product use
  • dermatitis, hair damage or loss

It is highly advisable to cover yourself and your business from these kinds of claims.

Public liability insurance for hairdressers

Hairdressers' public liability insurance will cover you against claims from members of the public.

If your business has any employees, you will also need  employers liability insurance  as a matter of law.

The other forms of insurance you will need depend on the nature of your hairdressing business.

Hair salon insurance

Running a hair salon involves several liabilities that should be covered. A  shop insurance policy  may offer most of the cover you need within a single policy.

Products liability cover for hairdressers

Products liability insurance provides cover in the event of claims against you that a product sold from your salon has resulted in injury or loss.

Business contents insurance for your salon

Business contents insurance will cover you against damage to items such as cash registers, chairs, or shelving, etc.

Stock cover for hairdressing salons

Salons and mobile hairdressing businesses that sell products to customers should consider covering their stock.

Other forms of cover for barbers and hairdressers

Other useful additions to your cover may include insurance against business interruptions, accidental damage, personal accidents and, if applicable, damage to your building.

Mobile hairdresser insurance

As a mobile hairdresser your daily routine will be markedly different from that of a salon-based barber or stylist. Your insurance needs will change accordingly.

Even if you only make occasional home visits, you need to inform the company that insures the vehicle that you'll be using it for business purposes.

If cutting or styling hair in your own home, there are specific  business from home  insurance packages available.

Freelance hairdresser insurance

Professionals insurance is available to freelance hairdressers who work at commercial premises. Cover yourself against expensive claims with the right hairdressing insurance package.  Get a quote now .

Why insure with NatWest?

As a business bank, we work closely with a wide range of businesses. This helps us understand how you work and the challenges you face. So you can be sure we'll take the time to get to know your business, and try to provide the right level of cover.

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