Hairdressing insurance

£1 million Public Liability Insurance included as standard. Cover your equipment with a range of optional extras.


Reasons to rely on Churchill for 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
  • Our specialist claims handlers will guide you through making a claim
  • Access to our 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 our 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.

With Churchill’s flexible insurance, you get reliable, cost‐effective cover for all aspects of your business.

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 our 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.

Our 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.

Our tools cover includes mobile phones and laptops.

Find out more about Tools and business equipment cover

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.

Find out more about Van Insurance

Make your policy work for you

Tailor your cover with our 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 our standard cover to up to £10 million.

Find out more about Public Liability

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.

Find out more about Employers Liability

Treatment liability cover

Cover for health, beauty and wellbeing treatments. It insures against claims for death, injury, and damage to a third-party property.

Find out more about Treatment Liability

Tools and business equipment cover

You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Our tools cover includes mobile phones and laptops.

Tools Insurance

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. 

Help and support