What is Mobile Hairdresser Insurance?
Mobile hairdresser insurance products against the various types of liability risk you face as a mobile hairstylist. Leaving the salon environment’s familiarity behind, you’ll be taking all of your treatments, products, and equipment with you on the go. Therefore, everything you do while on the job must be covered, especially as you’ll no longer have the safety net of your employer’s insurance that would have covered you for almost any eventuality.
Here is an overview of the main types of hairdressers insurance you need to consider if you’re planning on becoming a mobile hairdresser.
Do Mobile Hairdressers Need Insurance?
Yes, mobile hairdressers need insurance. As a hairdresser, you might think cutting and colouring are going to be your main challenges on the job. But when you’re a mobile hairdresser, legal challenges can also create problems worse than an over toned blonde – unless you’re insured.
Like most industries, there are plenty of risks involved in hairdressing, not to mention working with the public in general. For example, in 2019 a hairdresser was sued by a client claiming her forehead was burned during a blow-dry. The salon was ordered to pay £8,000 in legal costs and a £2,064 compensation settlement.
Taking out insurance along with all the other requirements such as registering with HMRC can seem a bit of a chore. It may also come as a surprise to you if you’ve never been self-employed before. However, getting it sorted will be a huge weight off your mind and can save you thousands if you’re ever sued.
What Insurance Does A Mobile Hairdresser Need?
A mobile hairdresser needs three main types of insurance: public liability, product liability and treatment insurance. Anyone who owns their own salon or otherwise hires employees or staff also needs employers’ liability insurance.
Crucially, each type of insurance is covered under the term liability. This means both your legal defence costs and any compensation you’re required to pay will be covered.
Hairdresser Public Liability Insurance
Cover if a client or a public member becomes injured while you are working in their home. This could include the client tripping over your equipment, or being cut by your scissors. They do not forget reactions to hair dye, which in the most severe cases can cause anaphylaxis and ultimately death without prompt treatment.
Hairdresser Product Liability Insurance
In case clients or members of the public are accidentally injured, or their property is damaged because of products you have supplied them.
Let’s say you sell your client some hair care products or tools. If the straighteners malfunction and cause a fire, or if the products permanently stained their bathroom, they could claim the damages from you.
Hairdresser Treatment Liability Insurance
Although all applicable insurance is vital, you simply can’t be without treatment liability insurance as a hairdresser. As the name suggests, it relates to any treatments you give your clients in addition to any advice you offer them.
Common client complaints include a hair colour that hasn’t turned out the way they wanted or are not happy with the cut’s finish. You may also give your client advice about solving a particular issue, such as an irritated scalp, which may make the problem worse.
There are endless problems that can happen, even when you try and do the best for your clients. No two hair types or skin types are the same, making it easy for mistakes to happen.
Employers’ Liability Insurance
If at some point you plan on employing anybody else, then you’ll need to be covered for this, in case the employee is injured or falls ill while working for you. This type of cover is known as employers’ liability insurance and is a legal requirement.
Considering the amount of chemicals hairdressers come into contact with, getting covered is a wise move. Nasty burns can also be given from straighteners and curling irons, especially with the soaring temperatures they can reach. Employees may also slip on a wet floor near the washbasins or even trip in the store cupboard.
Any such incidents will be placed on your shoulders, which is why you must be covered for all eventualities with employers’ liability insurance.
Other Insurance For Hairdressers
Insurance can be extremely extensive, depending on how you operate your business.
As a mobile hairdresser, you’ll likely be using a vehicle to travel to your different appointments, so you’ll need to inform your insurer that your car is being used for business purposes.
All of your equipment and any stock will also need to be insured against theft or damage.
An optional extra is legal expenses insurance, which can help cover the costs for seeking professional advice, should you face any legal action. The cost of hiring a solicitor can run into hundreds of pounds an hour without such cover.
How Much Is Insurance For A Mobile Hairdresser
Insurance for a mobile hairdresser costs from roughly £40 a year. Your total insurance cost will be based on the following factors:
- The insurance type(s) you take out
- How you operate your business
- The amount of cover you require
What If I Don’t Get Covered?
As a mobile hairdresser, you don’t legally have to be covered. But what you need to consider, is how you would manage to pay legal costs, especially if the case spiralled into tens of thousands of pounds? The amount you have to pay for insurance is often a tiny fraction of the costs that could quite easily sink your business if you can’t pay them.
Such events might seem like they’d never happen, but the reality is that these things do happen. The last thing you’d want is for an accident to occur as not only would you feel bad and lose your client, but they’d be entitled to sue you, leaving your reputation and career in tatters.
Just like you get your clients to patch tested before a colour, you should always make sure your business is covered against any bad reactions from your clients – whatever that may entail. Although not a legal requirement for mobile hairdressers, it will potentially save you a lot of hassle, not to mention expense in the long run.