Hairdressers Insurance
There are a few specific types of insurance worth considering if you’re running a hairdresser business, and a few you have to use by law. If you employ people to work within your hairdresser business in any role, such as other stylists or help staff, you as their employer must get yourself covered with employers’ liability insurance. If you use any vehicles such as cars or vans within the business, for example if you travel to clients, these must have motor insurance cover too.
Your hairdressing outlet can be covered using a buildings and contents policy, however as with most insurance matters, the devil is definitely in the detail. For this reason it’s vital to ensure your policy covers you for everything you need, including all of your hairdressing equipment, your furniture, fixtures and fittings, as well as any cash handling tools such as cash registers and computers.
Most hairdressers handle a fair amount of cash on a daily basis, which unfortunately makes the possibility of theft or robbery very real. For this reason it may be worth also opting for a policy that covers you for money losses.
If your business operation involves any sort of customer interaction, the simple fact is that there is always going to be a possibility of legal action. This is a particularly valid issue for hairdressers, in case of people suing you either for injury or some other reason. Public liability insurance can help to protect you in such cases, where the legal and compensation costs can be seriously substantial.
