Self-employed hairdresser insurance

Secure self-employed and mobile hairdresser insurance quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
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Self employed hairdresser insurance UK
Self employed hairdresser insurance UK
Self employed hairdresser insurance UK
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What is self-employed hairdressing insurance?

Self-employed hairdressing insurance usually isn’t one thing. Hairdressers often purchase several products to meet the insurance needs of their work.

Because you’re working with people, public liability is often the first insurance most hairdressers buy, but hairdressers provide advice, so professional indemnity is also applicable.

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
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

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...

on Trustpilot
14 February

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...

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 do self-employed hairdressers need insurance?

Self-employed hairdressers work hard to make their clients look great, but accidents can still happen. Insurance can help cover any unexpected damages or injuries.

A client getting injured

Where scissors, chemicals and heat are used, an accident can happen anytime, no matter how careful and well-trained you are.

Advice goes wrong

A client is demanding compensation because a treatment you discussed during their last visit went wrong.

Something you said is taken out of context

Your business takes you to clients' homes, where everything becomes more personal. You may face a legal claim if you say something that is misinterpreted.

Receiving unfair chargebacks

Sometimes, an unhappy client might decide to claw back what they've paid you by initiating a chargeback. You'll need help to fight it if it is a substantial amount.

What is hairdresser liability insurance?

Hairdresser liability insurance is a term that covers several legal liability products, including public liability, professional indemnity and commercial legal expenses insurance.

Legal liability insurance protects hairdressers from legal claims arising from their work. Depending on how you work, you may need more than one liability insurance cover.

Public liability insurance for self-employed hairdressers

Public liability insurance protects hairdressers against accidents, injuries and property damage. 

Self-employed hairdressers have up-close and personal contact with their clients. They also rent space at salons to cut hair and perform treatments. Both expose hairdressers to public liability claims if an accident happens.

What does hairdressing 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:

  • A wobbly chair or a hand slip causes an accidental injury to a client.
  • You accidentally spill a chemical on your client’s expensive clothes or jeans.
  • When standing up from the chair, a client trips and falls. They blame you for the accident and ask you to pay their medical expenses.

Professional indemnity insurance for hairdressers

Professional indemnity insurance protects hairdressers from claims or accusations of wrongdoing from their professional advice and services.

Professional indemnity insurance will immediately 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 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 face financial demands from a client because:

  • A client accuses you of ruining their hair, demanding monetary compensation.
  • You may have said or done something that caused upset, and a client feels entitled to compensation.

What professional indemnity limit do hairdressers need?

The professional indemnity limit you need will reflect your particular hairdressing activities. When choosing a limit, consider how often you work, how many clients you have, and the possible financial impacts if your hairdressing advice or treatment goes wrong.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your hairdressing insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I pause or retire from self-employed hairdressing?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from hairdressing. Claims against professional misconduct can surface months or years after you delivered the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of hairdressing you did and the likelihood that a client might bring a claim against you. 

Hairdresser professional indemnity - a case study

Hairdressers meet all kinds of people in their work, and while this is usually a perk of the job, there will always be people out there with less-than-honest intentions.

Just ask the north London salon who found themselves accused of burning a bald patch onto a client’s scalp back in 2017. The woman had damaged her scalp while dying her hair at home but tried to sue the salon for £30,000 over her self-inflicted bald spot.

Professional indemnity insurance is designed for this scenario. It covers the legal fees to fend off the rogue accusation, not causing a single penny to leave the business account.

A false allegation against you could result in legal fees eating into your hard-earned profits without professional indemnity insurance.

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.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect self-employed hairdressers 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 hairdressers  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

Hair and beauty professionals we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of hair and beauty professionals, including:

  • Barbers
  • Beauty consultants
  • Hair stylists
  • Makeup artists
  • Manicurists
  • Nail technicians
  • Pedicurists
  • and more..

Shopping for 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:

Cheap hairdressing insurance

When choosing an hairdressing insurance provider, it's important to consider their after-sales service, even if they have low prices. You should check how easy it is to get in contact with them. At Suited, we prioritise our customers and offer multiple options for communication so we can quickly respond to any inquiries you may have.

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
Suited awards.

Common questions

Do self employed hairdressers need insurance?

Self employed hairdressers need insurance because the nature of their profession is to work very closely with their clients. As such hairdressers should consider business liability insurance to protect their reputation and bank balance.

What insurance does a self-employed hairdresser need?

The insurance a self employed hairdresser may need is professional indemnity insurance which protects from accusations of professional errors or misconduct and public liability insurance which shields from claims of injury or property damage.

What qualifications do you need to be a self employed hairdresser?

In order to obtain insurance with Suited you need to have demonstrable experience or qualifications.

What does it mean if a hairdresser is mobile?

Mobile hairdressers visit their clients at home. Often self employed hairdressers will do both, work in a salon but also provide mobile hairdressing services.

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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Hairdresser insurance UK
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Go retroactive

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.

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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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Easy to cancel

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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