Insurance for hairdressers and barbers

All hairdressers will need public liability as a minimum. For individual hairdressers (mobile hairdressers or those renting a chair in another salon), the Guild also includes treatment risk cover of $500k.

For larger hair salons and barber shops, we provide a complete business package policy which can include Professional Indemnity, Public Liability, building and contents cover, glass, money and business interruption cover.

The type and level of insurance cover you need for a hair salon or barbershop can vary depending on the size of your business, the equipment and machinery you have, your property type, and several other factors. If you are unsure it’s best to call and speak with one of our dedicated team on 1800 810 213.

Even as a mobile hairdresser or barber, you will still need to have your own public liability cover. This also applies if you rent a chair at someone else’s salon.

This is when someone is injured on your property, for example, if they slipped on hair and sustained an injury. It also covers damage to third-party property, such as your sign blowing over on the pavement and damaging a car, or spilling dye on someone’s jacket.

An example would be when someone has an adverse reaction to a treatment you have provided, such as an allergic reaction to a hair dye. Another example could be hair dye or product running into someone’s eyes causing injury, or being cut by scissors.

Yes, we can quote $10m or $20m limits for professional indemnity. You may want to consider this if you run a large salon, or work on contracts where your professional negligence could cause significant financial loss to your client.