Diane was a renowned hairdresser in Slough, everybody loved to go to her beauty shop for the most beautiful hair tints. From beach blonde sun streaks to locks with deep purple tinges, she was a maven with hair colours. One day, an apprentice accidentally used the wrong shampoo on a customer’s hair. The woman who usually preferred organic products, had an immediate reaction to the synthetic dye; it was a complete disaster. Unfortunately for Diane, she had no form of insurance cover. The customer was left to pay for her own medical bills and is now considering a lawsuit for negligence.
Diane may be an expert, but professional negligence is almost unforgiveable. As a customer would you still patronise a beauty salon without hairdresser insurance?
When you visit a new salon for the first time, it is advisable to inquire from the owner whether they have insurance cover in place. Otherwise, you may be having hair treatments done at your own risk.
For hairdressers, it is imperative to protect your customers and your business by taking a number of insurance coverages available.
Here are some shop insurance covers for Hairdressers and Barbers:
You can get a standard business insurance policy, which includes public liability, employer’s liability and professional indemnity. As a hairdressing salon owner, you shouldn’t have to get blanket cover because another store is doing so.
No two salons are the same.Some providers offer specific shop insurance coverage.
1. General Liability Insurance
This is an important policy for hairdressing salons and shop owners for the products sold and the nature of the environment you operate in. There is likelihood of risk exposure you should be prepared to handle. It covers your customers too. Some examples include:
– “Slip and Fall” Insurance
– Products Liability
– Personal Injury
2. Commercial Property Insurance
This is often a requirement for hairdressing salon owners, usually by their landlord or financer of the business. It covers property damage on your business premises.
– Furnishings
– Equipment
– Tools
– Products
3. Professional Liability Insurance
This insurance protects business owners from third-party claims related to their professional services. For example, if something goes wrong at your salon, like a professional blunder or act of negligence – you can make a claim for professional liability.
4. Employers Liability Insurance
You can’t guarantee the professionalism or precautionary practices of your employees every time, so an employer’s liability insurance protects you from any incident.
Does your Hairdresser have an insurance cover? What would you do if you were Diane?
I never really think about it to be honest, even when hairdressers have wrecked my hair I still seem to smile and say Lovely!
Yea I am like that as well. Don’t know why, lol.
Same as the comment above, I’ve never thought about it either. Although to be fair my hairdresser is the organised-very-responsible type of business woman and I can imagine that she is insured. Would be a bit embarrassed though to ask her 😉
I know. Just show her this post, lol.
Luckily my hairdressers have a certificate and book with information about insurance etc… available for customers so I trust them but if they weren’t insured I wouldn’t use them at all, not having good insurance is a dangerous game.
Jordanne || Thelifeofaglasgowgirl.co.uk
It is so dangerous.
I’ve never really given this any thought. You just assume they are insured I suppose.
Lets just hope the ones that aren’t take note of this! 😉x
Yea I hope so x
I never really thought about salon insurance but it makes sense to do the research first definitely. Good point to make.
Yea it does.
I’ve never thought about this. I tend to go to named brand salons though so I’d hope they know best… Hmmm!
They should.
I don’t think I would go to any business or professional if they were not insured properly because that shows that not only do they value their business, customers but also their skills.
Laura
Yea true that.
hmmm… yes
Ok..
I never really thought about hairdressers and salons having insurance. I’ve read a couple of posts about it today though! Having insurance is so important. It’s always good to be covered!
Yea it is.
Have never thought about it honestly. Wouldn’t even bother about all that. Will just my hair and go…ha ha
Great post.
Have a nice week.
Thanks Moji. Have a great week.
I have honestly never thought about this but now that you say it a hairdresser that isn’t insured isn’t exactly a good sign is it??!
Yea it is not.
Gosh I have no idea if my hairdresser is insured and I would never think to check.
Many don’t think of these things.
I can’t say that I’ve ever really thought about it. I guess I just assume they are insured.
You are not alone.
I never though of this before; I hope mine is insured but you never really know do you. I hope my hairdresser never ruins my hair though..
Yea hopefully yours will be.
I have to admit this isnt something I have ever considered or asked when finding a new hairdresser. It is a frightening thought! x
Yea it is.
I assumed that hairdressers should be insured by law, after all I have to be in my business
They should but you will be surprised.
I would still use mine but then again I am married to him! I’ve been the victim when hair colouring goes wrong though and its not good. Any small businesses are crazy not to get public liability insurance.
Yea it is crazy not to have 1.
I had no idea salon had insurances, but I suppose it makes sense as they are offering a service to the public!
http://lilinhaangel.com/
Yea they should but some get away with not having.
This reminds me of the time my mum went to get her hair dyed brown and they accidently bleached it blonde. She was horrified but my dad loved it!
Lol..Oh my.
Wow I actually had no idea hairdresser insurance was a thing!! Gotta enquire about this next time I’m at the salon :/
Cool.
I rarely go to the hairdresser since I’ve had dreadlocks for the last seven years, and when I did the last thing on my mind was hairdresser insurance. You have opened my eyes to the importance of protecting the stylist and the customer. I’ll be passing this post along to some friends. Thanks, Stella 🙂
Ah good. Thanks for stopping by x
I wouldn’t! It’s important to be sure they are covered especially if you are having treatments like hair dyes, bleaches or extensions
Yea so true.
I’ve never even checked this at the hairdressers before. Great information. Definitely food for thought. x
Yea x
Admittedly this is something that has never ever crossed my mind, but definitely something to think about.
Yea it is worth thinking about.
Joining the club, never thought about this. Thanks for sharing.
Thanks for reading Evelina.
Blimey I would have never even given it a second thought but if you are in any kind of business, you need to have insurance to cover that sort of thing as you never know what might happen.
Yea so true.
omg, I never through about this but I have a friend who suffered an allergy and they tried to go to Court but at the end nothing happened…anyway I do almost all my treatments at home, I love it! 🙂
Ah good for you Natalia.
I never heard about hairdresser insurance before. very interesting information
Glad you found it interesting.
Thanks for the valuable information
Thanks for reading.
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