Hairdressers operate in several different ways, as a salon, owner of a business, mobile, and even self-employed. Whatever the circumstances of your particular business, you must be aware of your responsibilities to your employees, colleagues and clients.
Although it may be a glamorous trade, the tools you need to carry it out aren't quite so glitzy. Chemicals, scissors, razors and hot appliances all have the potential to cause harm and make a case for liability insurance on their own but combined with the risks that all businesses face every-day make public liability insurance for all hairdressers an absolute and indisputable necessity.
One of the important things to consider is one that many people feel doesn't apply to them or their business; professional negligence. Even if there has never been the slightest suggestion of your salon cutting corners or not adhering to industry standards, the fact remains that we currently live in a claim culture. Today's society thrives on blame and no win, no fee solicitors will stop at nothing in attempting to prove liability.
Other claims may be instigated against you or your salon for unintentional accidents which happen to clients. A trip over a wire, a slip on split product, a burn from straighteners or a nick from scissors, a solution which causes damage to a client's hair or skin. These risks are increased if you visit your clients at their premises, unforeseen property damage by peroxide dripping on to their carpet for example.
Employer's liability insurance isn't optional if you have any staff working for you and your business, it's a legal obligation. It doesn't matter if your staff are part time, full time, trainees or apprentices; they are equally as likely as your clients to suffer from an industry related accident such as a chemical reaction, burn, trip or fall. Similarly employees are just as entitled to bring legal procedures against you if they consider the incident is due negligence.
A non-obligatory element to public liability insurance for hairdressers is product and treatment cover. Even though this isn't considered absolutely necessary and you may be on a tight budget, common sense should tell you to purchase product and treatment cover.
Another non-obligatory element is cover for stock and equipment while it is in transit. Whilst this may be an obvious choice for mobile hairdresser, it should also be considered by any business that transport purchases from a wholesaler to their own premises in their own vehicles.
Everybody knows that hairdressing salons are glamorous and luxurious places where people go to be spoiled. Unfortunately insurance doesn't really have a role in that image but your peace of mind will be increased and your worries lessened by the security of financial protection.
Public liability insurance for hairdressers should always be purchased from a reputable broker such as Specialist Risks
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