A client is demanding compensation because the treatment you have recommended or provided has gone wrong.
Where scissors, chemicals and heat are used, an accident can happen at any time no matter how careful and well trained you are.
Sometimes an unhappy client might decide to claw back what they've paid you by initiating a chargeback. If it is a substantial amount, you'll need help to fight it.
Your business takes you to your clients's homes where everything becomes more personal. If you say something that's taken the wrong way, you may find yourself facing a legal claim.
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what insurance does a self employed hairdresser need?
Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers hairdressers and barbers should consider include:
By ensuring you and your livelihood are protected by professional indemnity and public liability insurance for self employed hairdressers, you’ll be able to focus on your loyal customers without worrying about an expensive claim that could blunt your business.
Public liability insurance for self employed hairdressers
Public liability insurance is intended to protect against accidents that result in an injury or property damage. It is an inexpensive cover which provides peace of mind should accidental injury or damage happen while you’re with a client.
Whether it’s a wobbly chair or a slip of the hand, causing accidental injury to a client when they’re in your hands is something no hairdresser wants to experience. With public liability insurance, you can rest assured that any such slip-up won’t result in legal fees that render your business unviable.
As a self employed/mobile hairdresser looking at insurance, you’ll be an established and skilled hairdresser with a business worth protecting. Should an accident happen while you’re working, public liability insurance will cover legal costs and make sure you are well equipped with legal advice. Any compensation due is also covered.
Professional indemnity insurance for hairdressers
It takes more than just super-sharp skills and tools to be a successful hairdresser. The most successful self employed hairdresser will be a charming and personable individual who relies on the relationships they build to maintain a regular roster of clients – so you can imagine how much it stings when hardworking hairdressers find themselves on the receiving end of an accusation from a client.
So what is professional indemnity insurance and how can it protect you from a disgruntled client? Professional indemnity insurance will immediately have your back the second 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 specific situation and advise you on what to do next.
As a busy self employed hairdresser, we know that there simply isn’t room on your calendar for concerning yourself with the ins-and-outs of the legal system. Professional indemnity insurance acts as a guard to you and your business and will take over all communication between you and the client following a claim, or can work with you to provide a response. This will make sure you can remain focused on your business without any legal blips having a knock-on effect and taking up your precious time.
But the benefits don’t end there. Taking out professional indemnity insurance will make sure all legal costs are taken care of straight away – in other words, there’s no need for you to pay anything at any point unless you wanted to involve your own solicitor. If you do, your insurers will need to approve them first and only pay you back when presented with settled invoices.
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 own scalp while dying her hair at home but tried to sue the salon for £30,000 over her self-inflicted bald spot.
If the salon’s owner was protected by professional indemnity insurance, their legal fees would have been completely covered, with the rogue accusation not causing a single penny to leave the company account. Without professional indemnity insurance, a false accusation against your business could result in legal fees eating into your hard earned profits.
When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.
- IR35 & HMRC investigations
- Legal matters concerning your business
- Negative PR (£25,000 cover)
- Criminal prosecution
- Compliance & regulation issues
- Unpaid invoices (over £200)
- Free tax advice
- Free commercial legal advice
- Counselling for you and your staff
- Access to a legal template library
- Identity theft assistance
My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.
Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.
The fast and hassle free way to get business insurance for small professional outfits.