Mobile hairdressing insurance

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Mobile hairdresser insurance UK
Mobile hairdresser insurance UK
Mobile hairdresser insurance UK
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What is mobile hairdressing insurance?

The best insurance for mobile hairdressers isn’t usually just one cover. Mobile hairdressers 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 and their homes, which is why public liability is the first consideration. Like most hairdressers, you also provide treatment and advice, so professional indemnity is also important.

How much does mobile hairdressing insurance cost?

Mobile hairdressers 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 self-employed mobile hairdresser insurance important?

As a self-employed mobile hairdresser, you carry all the risks inherent in your profession. Without suitable freelance hairdressing 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 the close the door behind you letting a much loved pet out.

Contributing to your client’s accidental injury

As a mobile hairdresser you find yourself inside your clients’ homes. However, you may still be blamed for a trip or fall. Perhaps because your bag was in the wrong place or you spilt something on the floor that caused a nasty slip.

Your treatment caused a health issue

Sometimes clients perceive hair treatment to be the root cause of their health issue - such as an allergic reaction or loss of hair - and they may demand that you compensate them.

Receiving unfair chargebacks

Sometimes mobile hairdressers find that after a few days their bank refunded a client who claims that your services weren’t good enough or received at all. 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 mobile hairdressers

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

Mobile hairdressers have very personal contact with their clients, their homes, possessions and sometimes other members of the client’s family. 

A lot can happen when you work inside your clients’ homes and public liability for mobile hairdressers can be a very useful shield if you’re accused of causing an accident or damage. 

What does mobile hairdresser public liability insurance cover?

Suppose someone makes a claim against you for causing an accidental injury or property damage or loss. In that case, 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’s unexpected move caused your hand to slip and you cut your client. The client is now asking you pay their medical bills.
  • A damage to the floor where you happen to be doing your client’s hair is blamed on you and you’re being asked to pay for the cost of repair.
  • You’re being asked to pay for the cost of retiling the bathroom and changing the wash basin because allegedly, while washing your tools, you caused stains and discolouration.

What public liability insurance limit do mobile hairdressers 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 how you work - the tools you use, the type of client homes you visit, your exposure to your clients’ surroundings and any contact with other members of the client households.

Professional indemnity insurance for mobile hairdressers

Professional indemnity insurance protects hairdressers from claims or accusations of providing the wrong or even harmful treatment. 

Professional indemnity insurance is often overlooked by mobile hairdressers 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 mobile hairdresser professional indemnity insurance 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 hairdressers need?

The professional indemnity limit you need will reflect your particular mobile hairdressing 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 mobile hairdressing?

It’s wise to keep your professional indemnity if you stop your mobile hairdressing 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.

Insurance mobile hairdressers look for

Sometimes mobile hairdressers look for a very specific coverage:

  • mobile hair stylist insurance
  • mobile hair extension insurance
  • mobile hair and beauty insurance

Hair styling and hair extensions would usually be included in mobile hairdressing insurance. That is the case with Suited. Always review the exclusions of your insurance to understand what is not covered.

However, mobile hair and beauty insurance is a little bit different. If by beauty you just mean makeup, you’re better off selecting ‘hairdresser’ and ‘makeup artist’ from the list of available professions rather than “hair and beauty”.

Insurance providers often assume that ‘beauty’ may include treatments such as facials, injections and other rejuvenation techniques. As a result your insurance may cost more and there are likely to be additional conditions.

Other insurance hairdressers buy

As a hairdresser, the type of insurance you require will depend on your specific situation. Have you considered the possibility of a legal conflict? Additionally, how would you handle a tax-related problem? It's important to consider these factors when determining the insurance coverage you may need.

Other useful insurance for mobile hairdressers

Other insurance you will need as a mobile hairdresser 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.

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 mobile hairdresser liability insurance

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

Price 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.

In this section
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FAQs

Common questions

Do mobile hairdressers need insurance?

Often, mobile hairdressers operate without insurance. This is extremely risky because of the nature of their profession, which is to work very closely with their clients and carry out their services in clients' homes.

What qualifications do you need to be a mobile hairdresser?

You need to have demonstrable experience or qualifications to obtain mobile hairdressing insurance with Suited.

What does it mean if a hairdresser is mobile?

Mobile hairdressers bring their services to clients by visiting them at home or sometimes event venues.

What services are covered by mobile hairdresser insurance?

A mobile hairdresser can deliver everything that a hairdresser based in a salon would. However, by selecting ‘mobile hairdresser’ from the list of insured activities, it is made clear to insurers that work with clients takes place at clients’ homes or other third-party venues.

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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Mobile hairdresser insurance UK
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Include retroactive cover to insure previous work.

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

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* 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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