Mobile & Freelance Hairdressers

When you’re travelling to see clients and working in their houses, you’re bound to run into risks, so insurance should be a key consideration.

Working with scissors, clippers, straighteners, and other hairdressing equipment means you could accidentally cut someone’s face or damage something in their home. Unfortunately, the risks are endless, and you could run into the following:

• You accidentally injure your client
• Someone steals your valuable hairdressing tools
• You damage a client’s property while you work

Prices could start from around 23p a day*.

But no two insurers are the same, and what you pay depends on a number of factors, including:

• Extent of cover - The more cover you opt for, the more expensive your package is likely to be.
• Location  – Where you work is taken into consideration when calculating the price of your premiums.
• Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.

_{*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

There are only two types of insurance which a required by law in the UK in certain circumstances. 

• Employers’ liability insurance - If you have employees, trainees or apprentices, you need to take out this insurance. If not, you’ll be breaking the law.
• Business vehicle insurance - If you use a vehicle for business purposes you’ll need commercial cover. For example, if you travel between clients’ houses and the warehouse.

However, other types of business insurance are still essential to protect your clients, your business and your bank account. Without the right cover, you could be paying out of your own pocket if someone makes a claim against you or you need to claim yourself.

Even if you’re a sole trader, no other types of insurance are mandatory by UK law.  But this doesn’t mean it’s a good idea to go without insurance, as you risk being uninsured. Start a quote online today to see your options.

At Bionic, we champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help find you the right cover. 

Our UK-based team helps business owners daily, start a quote online today to compare business insurance.