Hairdressers Liability Insurance
Professional hairdressers, hairdressing salons, barbers, barbershops, mobile hairdressers, freelance hairdressers, beauticians, manicurists, nail technicians and nail studios – anyone primarily involved in grooming or related activities as their main occupation all need insurance.
What does hairdressers liability insurance cover?
A public liability insurance policy will help you defend against possible claims that may be placed against you when working in your business.
The public liability insurance will cover for such things as the legal costs to defend an allegation against your business for example the insurance company will appoint a solicitor or claims handler to look after a claim where someone has accused you of either bodily injury or property damage that you may have caused them whilst on site or in the course of your work.
Liability Insurance for Mobile Hairdresser
Mobile hairdressing may seem like a safe occupation but you should always consider a public liability insurance policy to cover yourself in case any member of the public tries to hold you liable for any insured peril such as injury caused to them due to your negligence or damage to any of their property, Public liability is legally optional but this isn’t to say that you can simply forget about it, you should include the cost of a public liability policy into your business plan, after all the premium is minimal when compared to what a liability claim could cost you.
Do You Have To Carry Liability Insurance?
Public liability insurance for hairdressers is not a legal requirement.
There are many companies on the market today which will be able to provide public liability insurance for all types of businesses and all of them will be cognizant of the rules and regulations revolving around this kind of career.
Amount Of Liability Cover Required
Public liability insurance will protect your against the possibility of mistakes you could make or where you feel you were not at fault to help with the legal costs to defend you.
The amount of cover you need will vary according to your business type and other factors. Many small businesses take out £5 million of cover.