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Hairdresser Insurance - General Information
Whether it's "just a trim" or a specialist style, your hairdressing clients expect perfection from you and your company. With so many people relying on you, it's important to have the right insurance protection - in case something goes wrong. Hairdresser insurance can protect you from everything from injuries at work to theft of your valuable hairdressing equipment. All you need to do is make sure you get the right cover.
A hairdresser?s insurance policy could include public liability insurance. Public liability insurance provides protection if your business causes injury or damage to another person. This can also extend to "treatment" cover, which covers legal liability for damage caused by physical treatments. Hairdressers with temporary, or permanent staff will also need employers? liability insurance to cover claims from employees injured at work.
Hairdressers who visit their clients? homes or perform mobile treatments may wish to consider cover that protects them from legal liability from any injury or damage accidentally caused. Additionally, many hairdressers require contents cover to replace the contents of their shop if it's lost, damaged, or stolen. You may also want to consider building insurance if you need to protect the structure of your premises.
Finally, many businesses, including hairdressers, may use business interruption insurance to protect them if they suffer a loss of income following an incident that puts the salon out of use. This coverage will offer payment for wages and continuing overheads in the case of unforeseen interruptions.
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