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Hairdressers' insurance is specialised business insurance for hair stylists.
💡 Top tip: This insurance is also suitable for barbers and all-rounder beauticians.
You can buy different types of hairdressing insurance:
Employers liability insurance - covers costs if employees are harmed
Public liability insurance - covers costs if members of the public are harmed
Product liability insurance - covers costs if products are defective or misapplied
🚩 Employers liability insurance is a legal requirement if you have staff
🚩Salons may insist you have public liability insurance to rent a chair
Whether you own a salon or are a self-employed hairdresser, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying some very high costs if your employee is injured while working, you use a faulty product on a client, or you are sued by a member of the public.
If you are a UK business and you have any non-family members working for you then by law you must have employers' liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured[3].
Employers liability insurance covers the compensation costs if a worker becomes ill or injured because of their work for you. This includes ex-employees.
For example, if a worker was exposed to toxics which created health issues years later they could sue their old employer for failing to put adequate health and safety measures in place.
If anyone who works for you becomes ill or injured because of their job you could be responsible for the associated costs, including expensive compensation claims.
Employers' liability insurance covers harm caused to employees, contractors, volunteers and anyone else doing any work for you. It's also a legal requirement.
From getting dye on a client's fancy handbag to knocking over a piece of furniture during a home visit, the tools of your trade could end up causing expensive property damage that owners may expect you to pay for.
Public liability insurance will pay the costs of accidental damage to other people's property, whether that's a client, supplier or member of the public.
If anyone becomes ill or injured because of your work you could be responsible for the associated costs, including expensive compensation claims.
Public liability insurance covers harm to clients and members of the public. It is not a legal requirement, but some salons will only rent chairs to hairstylists who have it.
Business contents insurance can help you recover the cost of losing company equipment to fire, flood, theft and other disasters. Tool cover can offer similar protection for your expensive hairdressing tools.
Income protection insurance or key person insurance can replace your salary if you have to take time off work for ill health, so you don't have to worry about paying your bills or maintaining the lifestyle of your family.
You can be taken to court if a client or a member or the public believe they have been physically or financially harmed because of your company's business activities, including if their property is damaged.
Hairdressers could be found liable for everything from someone slipping in your salon to a client having an allergic reaction to beauty product you've applied.
Public liability insurance can cover the legal fees and compensation payouts in such cases.
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Comparing quotes from different insurers allows you to find the best deal out there.
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If the customer has not suffered an actual injury or an accident because of the services provided by you, then there are no grounds for them claiming compensation against you. However, your public liability insurance will cover legal fees should they try to pursue a case against you anyway.
Yes, public liability insurance covers claims arising from injury to your client's hair or scalp.
If you don't have anybody working for you, there is no legal requirement to have insurance.
However, you only need something to go wrong once to be potentially facing a very big bill. Insurance can offer you financial protection in these cases.
If you have a salon, you’ll need building cover to protect your business premises alongside regular hairdressing cover.
When you start a new quote choose ‘hairdressing salon’, instead of ‘ hairdresser’ to see insurance policies that include this.
Insurance isn’t a legal requirement for mobile hairdressers, unless you have any non-family employees, in which case you need employers’ liability insurance.
But if something happens while you’re visiting a client at their property – say you injure your client or damage the property - you could be considered responsible for the costs. Having insurance can save you a lot of money should this happen.
Legally, the only insurance hairdressers need is employers liability cover if you have any non-family members working for you. This includes apprentices and unpaid staff.
However, taking out more comprehensive insurance policies will offer more financial protection to you and your business. In particular, public liability cover is widely considered essential in public‐facing jobs.
As a hairdresser you have a lot of contact with customers and can use dangerous tools and products. No matter how skilled and diligent you are, you can’t please everyone. Of course, not every dissatisfied customer will sue, or even complain. But as you rack up more and more hair styling appointments throughout your career, your chances of a costly mishap inevitably grow.
Public liability insurance protects you if your work harms members of the public.
Employers’ liability insurance protects you if your staff become ill or injured at work.
Product liability covers legal fees if your product causes injury to a customer.
Stock insurance protects you if your items are lost, stolen, or damaged.
Commercial building insurance protects offices and workplace buildings.
Business contents insurance protects equipment, including in home offices.
Cheapest | Average | |
|---|---|---|
Hairdressers | £55.22[7] | £70.38[8] |
Hairdressing Salon | £167.22[9] | £197[10] |
The table shows the average prices paid by our customers for hairdressers' insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
According to our latest data, 10% of customers paid this when taking out an annual public liability insurance policy.
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
Almost 9 in 10 of business insurance claims made by MoneySuperMarket customers were accepted last year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
Can be covered | Usually not covered |
|---|---|
✔ Non-invasive treatments (e.g. eyelash tinting, tanning, manicures) | ✖ Invasive beauty treatments (e.g. chemical peels, permanent makeup) |
✔ Legal expenses | ✖ Intentional harm or damage |
✔ Injuries, deaths and illnesses | ✖ Actions performed under drugs or alcohol |
✔ Tools and equipment | ✖ Wear and tear |
✔ Stock and business contents |
Hairdressers work closely with clients and perform thousands of haircuts a year. While you’re undoubtedly skilled at your job, accidents like a slip of the scissors, allergic reactions or even chemical burns can become costly if you hurt a client. A good hairdressers insurance policy provides vital protection and cover for liability, damaged equipment or personal injuries, giving you the peace of mind to deliver a great service for your clients.
Sam Meadows Insurance Expert
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Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
According to Simply Business data, 10% of customers paid this amount or less monthly for a mobile hairdressers insurance policy with Simply Business. Figure based on annual quotes purchased in 2024.
Simply Business is one of the UK's leading providers of business insurance, serving 1 million customers across 1,500 trades.
Source: Gov.uk
Simply Business data 2024
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
According to Simply Business data, 10% of customers paid this amount or less annually for a hairdressers insurance policy with Simply Business. Figure based on annual quotes purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less annually for a hairdressers insurance policy with Simply Business. Figure based on annual quotes purchased in 2024.
According to Simply Business data, 10% of customers paid this amount or less annually for a hairdressing salon insurance policy with Simply Business. Figure based on annual quotes purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less annually for a hairdressing salon insurance policy with Simply Business. Figure based on annual quotes purchased in 2024.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
