Hairdressing insurance with individuality
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Why choose Ripe for hairdressing insurance?
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Cover for teaching and training in hairdressing
Protection includes cover for teaching students, so you are supported when providing training as part of your hairdressing business.
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Freelance cover that moves with you
If you travel between clients, your equipment can be covered while on the move, so you have help to stay protected where your work takes you.
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Build your cover online, your way
Create a policy that fits your hairdressing business with a quick and simple online experience. Choose the cover your business needs, leave out what it doesn't, and only pay for what applies.
Hairdressing insurance for mobile, freelancer and in‑salon hairdressers
Your work is hands on and personal. Whether you are working in a salon, renting a chair or travelling to clients, every day brings different people, spaces and situations. With tools, treatments and clients involved, things can sometimes go wrong. A spill, a reaction or an accident in someone’s home can quickly turn into a stressful situation.
Specialist hairdressing insurance by Ripe is shaped around how you work. It supports mobile, freelance and in‑salon hairdressers, as well as barbers and salons, so you can focus on your craft with more confidence.
What does hairdressing insurance cover?
Hairdressing insurance can cover essential protections such as public and products liability and treatment risk, with optional extras to tailor your cover for your business and equipment.
Public & Products Liability – up to £10m.
Treatment risk cover – protection for third-party injury or property damage following hair treatments, up to £3m.
View the full list of treatments we cover.
Contents, stock & shop front – cover for contents and hair salon stock up to £250k
Employers’ liability – up to £10m for employee illness or injury
Buildings cover – up to £500k for your beauty salon building, outbuildings, walls, gates and fences
Teaching cover – compensation for negligent acts while providing paid teaching services
Money cover – theft of business money up to £2.5k
Business interruption – loss of turnover or increased running costs up to £500k
Legal cover – up to £100k for a range of legal matters
Working abroad – claims brought from outside the UK
Injectable treatments – plus other excluded treatments
Theft from unattended or unlocked vehicles – unless in a locked boot or a covered luggage area
Money cover exclusions – employee theft not reported within 7 days; theft from a locked, unattended vehicle
What treatments are covered with hairdressing insurance?
Specialist hair stylist insurance through Ripe can include cover for the following treatments:
washing, styling, cutting, and drying of hair
tinting, dyeing, bleaching or permanent waving of hair
eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*
eyelash treatments, including tinting, lifting, perming and applying false eyelashes, including semi-permanent eyelash extensions*
cutting and shaping of nails, including application of acrylic coatings
ear piercing by gun and stud method
use of electrical equipment such as tongs, curlers or straighteners
use of cutthroat razors, hair clippers and trimmers
*Patch testing required.
You can learn more by reading our Important Documents.
Why consider hairdresser insurance?
Hairdressing may seem low-risk compared to other professions, but accidents can and do happen—and the costs can quickly add up. Say your equipment is damaged or stolen, or a client suffers an allergic reaction to a chemical used during their treatment?
Through Ripe, specialist hairdressing insurance helps to financially protect you and your business against these situations, allowing you to focus on helping your clients look and feel their best
Mobile hairdressing insurance
As a mobile hairdresser, your work comes with unique challenges. Travelling to your clients’ homes means you’re constantly on the move, and your tools and equipment are vital to your trade. What would you do if your styling kit was stolen from your car, or you accidentally injured a client while working?
Taking out mobile hairdressing insurance through Ripe can help to financially protect you from these risks since it includes Public Liability cover and Equipment cover to safeguard your business against the unexpected.
Self-employed hairdresser insurance
When you are self-employed, you are your own boss—which also makes you responsible for managing potential risks. A single claim could have a major financial impact on your livelihood, especially without the backing of an employer.
Self-employed hairdresser insurance through Ripe can help to provide financial protection and reassurance should you need to defend yourself against a third-party claim from a client or protect your income if an injury or illness prevents you from working.
Hairdresser Insurance FAQs
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There are several factors that determine the cost of your hairdressing insurance, such as:
your experience level
your location
the type of cover you select
At Ripe, we give you as much control as possible over your policy so that you’re only paying for the cover you need. The quickest way to determine the cost of your hairdressing insurance policy is to get an instant online quote.
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While mobile or self-employed hairdresser insurance isn’t legally required if you work alone, you may want to consider cover for peace of mind when working with clients. It can protect you against risks like theft, damage, and third-party claims—any of which could significantly impact your business as a sole trader.
However, if you own a salon or employ others, Employers’ Liability cover is a legal requirement.
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Public Liability cover protects you, your employees, and your business against legal action if any of the following occur:
accidental damage or injury caused by you or an employee
illness or injury caused by a product, yourself, or a business activity (such as a client experiencing a reaction after receiving a hair treatment)
damage to another person’s property caused by a business activity
Specialist hairdresser insurance through Ripe includes Public and Products Liability cover as standard.
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Yes—you’ll likely need permission to run a hairdressing business from home, depending on your location and circumstances. You may need:
planning permission if your hairdressing business changes the primary use of your property
landlord or leaseholder approval if you rent your property or you don’t own the freehold
insurance considerations—if your home insurance doesn’t cover business activities, you may want to consider specialist hairdressing insurance that includes public liability and professional indemnity
health and safety practices in place, such as meeting regulations set by the Health and Safety Executive
tax and business registration if your turnover exceeds the threshold (with HMRC)
Confirming these things with your local council, your landlord, and your home insurance provider is a good idea to ensure compliance.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: February 2026
Content reviewed by: Richard Pearson