How much does hair salon insurance cost?

How much your hair salon insurance will cost is dependent on a number of factors. 

The underwriters of an insurance company will be responsible for determining the probability of an insurance claim being made during the policy period and the likely cost of that claim.

Factors that will be considered when calculating the cost of hair salon insurance:

• The type of cover that is required
• How much is being insured 
• Whether previous claims have been made
• Any other factors such as security of the premises

At Professional Beauty Direct, we offer hair salon insurance and insurance for self-employed hairdressers and hair stylists that can be tailored to your business ensuring you have the right protection for the risk associated with owning and running your own hair salon.

Our insurance for hair salons starts from as little as £177.08 per year. This particular insurance policy includes:

• Public, product and treatment liability up to £6,000,000 
• Employers liability up to £10,000,000
• Business interruption up to £450,000. 
• Money and glass cover
• Buildings cover available 
• Contents insurance is available for equipment, stock, furniture, fixtures & fittings, shopfront and tenants improvements
• 3 months seasonal contents increase of 20%

Treatment Liability covers any injury or reaction that may occur to a client from a treatment that you perform.

Public Liability covers your client in the event of injury occurring within a client’s home or third-party premise. This includes in situations whereby a client’s property becomes damaged during a visit e.g. spilt product. 

Product Liability covers you in the event that you sell products t you’ve used during a treatment to clients, and that product turns out to be faulty or cause a reaction.

Employers Liability covers your legal liability to your employees arising out of injury or disease that they may sustain during their employment (including claimants’ costs and expenses). This includes costs and expenses in connection with prosecutions and appeals against convictions under health and safety legislation.

Business Interruption covers loss of gross earnings and increase in costs of working during the Business Interruption period following damage to property and insurance under the Buildings and Contents section. All insurance policies offer different cover but you may want to consider covering the following Business Interruption associated risks:

• Loss arising from being unable to trade following the occurrence of an insured peril damaging the premises insured, such as a fire or flood.
• loss arising from closure of the premises due to vermin, pests, defects in drains or defective sanitation is covered. 
• loss arising from damage to property in the vicinity of the premises that hinders or prevents use or access to the salon.
• loss following damage to septic tanks and underground services if insured under the buildings and contents section of the policy.
• loss following damage at the following premises:
  • land based premises of gas, water and electricity suppliers
  • the premises of any of your suppliers
  • the premises of any of your customers

Buildings and Contents covers loss or damage to your salon in the event of damage caused by extreme weather, fire in the salon, water damage or if items in your home were damaged or stolen in a burglary. 

What treatments are covered in our hair salon insurance

As standard our hair salon insurance policy covers the following treatments:

• Amateur Theatrical Make-up
• Barbering
• Brazilian Blow Dry
• Crimping
• Fantasy Make-up
• Hair Colouring
• Hair Cutting
• Hair Drying
• Hair Extensions (excluding the extensions themselveS)
• Hair Styling
• Makeup
• Permanent Hair Waving
• Perming
• Plaiting
• Spray Tanning
• Use of Electric Nail File
• Wet Shave (including Turkish and Cut Throat Shave and Beard Design)
• Yuko Hair Straighteners

How to buy hair salon insurance?

Getting a quote or buying hair salon insurance via Professional Beauty Direct is simple. 

Using our quote and buy online system, you can select the correct salon cover for you and enter a few details about your business before receiving a quote which you can either save or confirm & buy straight away.

Our helpful team is always on hand to assist you with any queries you may have or simply if you want to speak to someone over the phone to make your purchase. Please, do not hesitate to contact us on 0345 605 8670 or email us on info@professionalbeautydirect.co.uk.