Churchill is no longer offering Tradesperson and Professionals Insurance.
If you need Tradesperson or Professionals Insurance, you can get a quote from our friends at Direct Line.
Direct Line and Churchill are both underwritten by U K Insurance Limited.
If you already have a Churchill tradesperson or professionals insurance policy, check out our answers to some common questions for more information.
Hairdressing insurance
£1 million Public Liability Insurance included as standard. Cover your equipment with a range of optional extras.
Reasons to get Hairdressing Insurance
- £1 million Public Liability Cover as standard, you can increase it up to £10 million
- Up to £10,000 cover for your valuable tools and business equipment
- Treatment Liability Cover in case treatments go wrong
- Cover for your staff with up to £10 Employers' Liability Insurance
- Make your policy work for you with a range of optional extras
- Specialist claims handlers will guide you through making a claim
- Access to a 24-hour legal advice line
What is Hairdressing Insurance?
Working closely with customers every day exposes hairdressers to a range of risks.
Common accidents can have expensive consequences for your business, from cuts and scratches to skin reactions or permanent hair damage.
You can protect against most claims from clients with Treatment Liability cover that you can add you your Public Liability Insurance policy as an optional extra.
Most clients try to understand when things go wrong, but it only takes one compensation claim to put your business under serious financial strain.
Legal proceedings can be complicated and expensive if you don’t have the correct cover in place.
You can tailor your insurance to suit the unique needs of your business and only pay for the cover you need.
What does Hairdressing Insurance cover?
Business Insurance for hairdressers starts with standard Public Liability cover, and you can add a range of optional extras to tailor your policy to exactly what you need.
Public Liability Insurance
Public Liability Insurance isn’t legally compulsory for hairdressers but most people in the industry think it’s essential.
Having Public Liability Insurance means you’re covered if you or an employee accidentally injures a member of the public or damages their property while working in their home.
Public Liability Insurance offers you up to £1 million of cover as standard, with the option of increasing it to up to £10 million.
Find out more about Public Liability Insurance
Employers’ Liability Insurance
Employers' Liability Insurance is a legal requirement under the Employers’ Liability Act 1969 if you employ staff or apprentices.
It covers you if one of your employees is injured or becomes ill while they’re working for your business.
Employers' Liability Insurance is provided as standard if you have employees.
Find out more about Employer’s Liability Insurance
Tools and business equipment cover
How would you cope without the tools of your trade?
You can cover your valuable tools and business equipment up to £10,000 as an optional extra for added peace of mind.
Tools cover includes mobile phones and laptops.
Don’t forget your van
Most tradespeople would be lost without their van.
Get cover for your van if you use it to carry your tools and equipment to work.
Make your policy work for you
Tailor your cover with these optional extras
Public Liability cover up to £10 million
Cover against claims for injury or property damage by clients or members of the public. You can increase your standard cover to up to £10 million.
Employers’ liability cover
The law states you must have employers’ liability cover if you hire anyone, including apprentices. Add up to £10 million cover to your policy.
Treatment liability cover
Cover for health, beauty and wellbeing treatments. It insures against claims for death, injury, and damage to a third-party property.
Tools and business equipment cover
You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Tools cover includes mobile phones and laptops.
Business stock cover
Up to £25,000 cover if your business stock is damaged or stolen.
Personal accident cover
Insure named people in your business, aged 16-75, against personal accidents. Add death benefit up to £50,000 (weekly benefits up to £250).
Get into the detail
Policy documents
You can read our Professionals policy documents below.
These are standard documents that might be different to the ones you received when you took out your policy.
Log in to your account to find your individual policy documents.
Policy documents for policies starting before 23 August 2023
Policy documents for policies starting 23 August 2023
Frequently asked questions
Although Business Insurance isn’t a legal requirement, it covers you against a range of risks you may have to deal with yourself if you’re not insured.
For example, compensation claims for injuries or property damage. It also shows potential clients that you’re a reliable, professional tradesman and some larger companies won’t hire you if you’re not covered.
You do if you employ anyone to work for you, including apprentices, because it’s a legal requirement. If you’re a sole trader and you don’t have anyone working for you, there’s no need to have Employers’ Liability cover.
You can add Employer’s Liability cover to your policy at any time if you do take someone on. Just give us a call, and we’ll get it sorted.
Need some help?
Visit our help and support page for answers to common questions or to contact us if you want to talk to someone.