Public Liability Insurance for Hairdressers

Why Hairdressers need liability insurance

The most obvious risk in hairdressing is accidentally cutting someone with your scissors. No matter how skilled you are and how much experience you have, it only takes a split second to have a lapse in concentration and instead of cutting hair you are causing someone serious damage. This is just one thing that could happen but certainly why public liability insurance is essential.

It protects you from the cost of any accidental slips, trips and snips that hairdressers could be liable for and could end you up in financial and legal difficulties. Some of our policies also include treatment risks such as bleaching or perming hair. Public liability insurance for hairdressers is not compulsory but is certainly the first type of protection you should take out.

Common types of claims

• Cutting someone’s ear while trimming their hair
• Causing a chemical burn to someones scalp following the use of colouring
• Your hot straighteners cause burns to one of your clients

This cover is optional but Ashburnham recommend that you consider having it. Also, if you want to protect your scissors, razors, brushes, hair dryers and other equipment from theft or loss then you should look at tools cover.

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