Does a Hair Salon Need Insurance?

Anyone who has ever studied hairdressing will know there is far more to the job than meets the eye. As well as having an excellent technical ability as a stylist, not to mention perfect customer service skills, hairdressers also come into contact with various chemicals and styling tools that are mostly hot or sharp. All of which means there is a potential risk of injury to clients, employees or the general public within a hair salon environment.

In addition, any employees must legally be covered by insurance in case they are injured at work. Stock and equipment are also extremely costly to replace if stolen or damaged beyond repair, adding yet more financial strain to the business.

That’s why every hair salon should be protected by taking out the relevant coverage. The NimbleFins guide and quote feature for salon insurance can help salon owners ensure they are fully covered for every eventuality.


Risk Of Employee Injury

Even the most experienced stylists are not immune from becoming injured at work. From wet floors presenting a slipping hazard when transferring clients between shampoo stations and seated areas, to chemical burns resulting from contact with colour developers, there’s always a risk that salon employees can bring legal action against their employers, especially if they are left in a position where they can no longer work.

Whether the incident is purely accidental or the result of employer negligence, it is a legal requirement that employers have insurance to cover each of their employees while at work. This includes any employees that do not directly offer hairdressing services including receptionists, cleaners etc.

Suitable insurance type: Employers’ liability insurance. Any business which does not have employers’ liability insurance in place, can face a fine of up to £2,500 for each day they have traded without it.


Risk Of Client Injury Or Damage

Every hairdresser has a slight moment of anticipation when holding up the mirror at the end of the appointment, hoping their client will like the finished result. But it’s not just asymmetrical haircuts or stripey looking highlights hairdressers need to worry about, since clients may also receive a serious injury or have their property damaged while in the salon too.

Hair salon employees have a duty of care over their clients. Common injuries sustained within a hair salon environment include hair loss, hair breakage, a burnt scalp, trips or falls.

In addition, any other person who enters the salon may also seek financial compensation if they receive an injury or have their property damaged while in the building. This can include the likes of tradespeople, the client’s family, postal agents etc. So, even if the incident isn’t directly related to the services given by a hairdresser, the hair salon may still be liable for damages.

Suitable insurance type: Public liability insurance which will offer financial protection in case the business is required to pay insurance. Cover will also be given for all associated legal fees such as hiring a solicitor or if the case ends up in court.


Risk Of Damage Or Theft Of Salon Property

With the latest hair dryers costing up to £200 apiece, combined with the cost of salon chairs, professional hair cutting scissors, straightening irons, curling wands, styling products, washbasins etc, hairdressing certainly isn’t a purse-friendly industry to venture into.

So consider what would happen if theft or damage left the salon without the tools and equipment it needed to operate. Replacing the items could affect the business’s profitability, and in the worst case scenario could cause it to close. But with insurance, any loss or damage to salon property would be reimbursed by the insurer.

Suitable insurance type: Stock insurance for products and contents insurance for tools, equipment and furniture.


Other Risks

Although only employers’ liability insurance is a legal requirement, that doesn’t mean taking out other insurance types isn’t an extremely wise idea, especially since even a false social media review cannot be fought legally without hiring a solicitor, and insurance claims brought against a business can arise due to a wide number of reasons.

Likewise, the reason for claiming insurance may not be due to a client related issue. For instance, the salon may experience a fire or flood. Even if the phones go down, this could mean bookings aren’t getting through which would affect profits. Hence, insurance for hair salons can be incredibly broad.

Some of the other insurance types a hair salon may wish to consider includes:

  • Business disruption insurance
  • Commercial vehicle insurance
  • Cyber insurance
  • Legal expenses insurance
  • Personal accident insurance
  • Product liability insurance
  • Treatment liability insurance

To Sum Up

A smooth and sleek result isn’t just reserved for blow-dries within a hair salon, as having the correct insurance can ensure no disruption to the operation of the business should a client make a claim against it, or if any other scenario threatens the ability for the salon to be able to trade. Therefore, all hair salons require insurance and should seek to take out any relevant policies beyond the legal requirement of employers’ liability insurance.