Hairstylist insurance

Secure insurance for hairstylists quickly and without fuss. We're simply priced, flexible and upfront.

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Hairstylist insurance UK
Hairstylist insurance UK
Hairstylist insurance UK
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What is insurance for hairstylists?

The best freelance hairstylist insurance isn’t usually just one insurance product. Freelance hairstylists often need to purchase a few products to protect themselves against the risk associated with their work.

By the definition of your profession, you have close contact with your clients, possibly their homes too, which is why public liability is the first consideration. Hairstyling also comes with the element of providing treatment and advice so professional indemnity is also important.

How much does hairstylist insurance cost?

Hairstylsts can buy public liability insurance from around £9.80 a month. Price varies depending on the insurance limits, business size, and claims history.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why is freelance hairstylist insurance important?

As a freelance hairstylist, you have no safety of being an employee and all the risks inherent in your profession are yours. Without suitable freelance hairstylist insurance, you leave yourself exposed to claims that could seriously impact your financial health.

Causing damage to your client’s property

The scenarios why you might be asked to pay damages is endless - burn damage to expensive carpets, accidentally broken possessions or forgetting to close the door behind you letting a much loved pet out.

Contributing to your client’s accidental injury

As a freelance hairdresser, you may often work in your clients’ homes. Even though it’s their property, you may still be blamed for a trip or fall. Perhaps because your tools were in the way or you spilt something on the floor that caused a nasty slip.

Your treatment caused a health issue

The hair treatment that you applied could be at the center of a claim against you. A client who experienced a health issue shortly after your services may put it down to something you used and they may demand that you compensate them.

Receiving unfair chargebacks

Sometimes freelance hairstylists get paid after they provide their services. It’s not unheard of that a wedding hairstylist had to wait for months for an invoice to be settled. This is usually the case when the amount is quite substantial and in those situations you may need help to fight it.

Public liability insurance for freelance hairstylists

Public liability insurance protects freelance hairstylists against a variety of accusations stemming from accidents, injuries and property damage that may happen during the course of their work.

Freelance hairstylists work closely with their clients in a variety of settings - the clients homes, venues or salons. 

A lot can happen when you don’t have a full control over your environment and yet you could be blamed for an accident.  Public liability for freelance hairstylists can be a very useful legal shield. 

What does freelance hairstylist public liability insurance cover?

Suppose a client makes a claim against you for causing an accidental injury or property damage or loss. In that case, your public liability insurance will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • Your client claims that the stain on their expensive cloothing was caused by you or the product you used. The client is now asking you to pay for the damage.
  • Some days, possibly weeks, later after you provided your services you received a legal demand to pay medical costs to a client who claims your treatment caused them ill health. 

What public liability insurance limit do freelance hairstylists need?

Most insurance providers offer coverage from £1,000,000 to £5,000,000. Suited starts at £500,000 up to £2,000,000. The level of cover you select should take into consideration your work settings and the type of clients.

Professional indemnity insurance for freelance hairstylisys

Professional indemnity insurance, also know as malpractice insurance for hairstylists, protects you from claims or accusations of providing the wrong or even harmful treatment. 

Professional indemnity insurance is often overlooked by freelance hairstylists but it is an essential cover which will have your back if you receive an unhappy email, phone call or text threatening to sue you or demanding financial remedy. 

Your insurers will appoint the appropriate legal aid to review your situation and advise you on what to do next.

What does professional indemnity insurance for hairstylists cover?

Professional indemnity insurance will take over all communication between you and the client following a legal claim against your professional conduct. It will also pay compensation if you are found liable.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • A client accuses you of ruining their hair, demanding monetary compensation.
  • A client insists that the allergic reaction they suffered was caused by the products you used, and you are being asked to pay all the costs.

What professional indemnity limit do hairstylists need?

The professional indemnity limit you need will reflect your particular freelance hairstyling activities. When choosing a limit, consider what treatments you provide and to whom. For example, if you work with people for whom public image is a way of making a living, a possible claim against you could be costly.

Should I keep professional indemnity insurance if I pause or retire from freelance hairstyling?

It’s wise to keep your professional indemnity if you stop your freelance hairstyling activities. Claims against you can surface weeks or months after you delivered your treatment, and if you have cancelled your policy, you won’t be covered.

Other useful insurance for freelance hairstylists

Other insurance you may need as a freelance hairstylist will depend on your circumstances. Could you afford a legal dispute? How would you deal with a tax issue?

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect you against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability. It can also help with unpaid invoices.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist you in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You’ve suffered a chargeback of a large amount and wish to take legal action
  • You’re in a contract dispute with a salon

Shopping for freelance hairstylist liability insurance

Whether or not you decide to use Suited hairdressing insurance to protect your business, it’s worth keeping the following in mind:

Low hairstylist insurance cost isn’t everything

Some providers offer rock-bottom prices, but after-sales service could be lacklustre. Check how easy it is to get in contact with your insurance provider. At Suited, we offer several options and answer quickly.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

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FAQs

Common questions

Do freelance hairstylists need insurance?

Often, freelance hairstylists operate without insurance unless specifically asked by a salon or a venue. Working without insurance is extremely risky because of the close contact with clients.

What qualifications do you need to be a freelance hairstylist?

In order to obtain freelance hairstylist insurance with Suited, you need to have demonstrable experience and/or qualifications.

Can I still get hairstylist insurance if I freelance alongside my full time job?

Yes, that is not an obstacle to getting insured with Suited.

What services are covered by freelance hairstylist insurance?

A freelance hairstylist can deliver everything that a hairstylist based in a salon would. This is irrespective of where you deliver your services as long as you adhere to the required safety and hygiene practices.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Hairstylist insurance UK
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Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday—Friday, 8:30am to 5:30pm

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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