Barber Insurance

Here are some of the covers that may be included:

Barber Insurance - Public and Products Liability

Public and Products Liability cover is a vital safeguard for anyone working in the barbering industry. It protects you if a client or member of the public is injured, or if their property is damaged, due to your work or the products you use or sell. With up to £10 million of cover typically available, this insurance provides peace of mind whether you run a barbershop, rent a chair, or offer freelance or mobile services. From allergic reactions to grooming products to slips and trips on your premises, this cover helps protect you against costly legal claims and compensation payouts.

Here is a link to the Ripe Hair and Beauty website:

Barber Insurance - Treatment Risk Cover

Treatment Risk Cover is essential for barbers who provide grooming services that involve direct contact with clients, such as shaving, beard trimming, or hair treatments. It protects you if a client suffers an injury or adverse reaction as a result of a treatment you’ve carried out. With up to £3 million of cover typically available, this insurance helps shield you from third-party claims and legal expenses. Whether you run your own shop, rent a chair, or work freelance, Treatment Risk Cover gives you peace of mind to focus on your craft—knowing you're protected if something goes wrong.

Barber Insurance - Contents, Stock, and Shop Front Cover

This essential cover protects the physical assets of your barbershop, including fixtures, fittings, barber chairs, clippers, stock, and even your shop front. Whether you own the shop or rent a space, it offers peace of mind knowing your workspace and valuable equipment are protected against fire, theft, vandalism, or accidental damage. With cover available for up to £250,000, this insurance ensures you won’t face financial loss if your tools of the trade or premises are affected by an unexpected event.

Here is a link to the Ripe Hair and Beauty website:

Barber Insurance - Employers’ Liability

If you employ staff in your barbershop—whether full-time, part-time, apprentices, or temporary workers—Employers’ Liability insurance is a legal requirement in the UK. This vital cover protects your business against claims if an employee suffers an illness or injury while working for you. With up to £10 million of protection, it covers legal costs and compensation, ensuring your business stays compliant and financially secure. It also gives your team peace of mind, knowing they’re protected while delivering top-quality service to your clients.

Barber Insurance - Buildings Cover

Protect your barbershop premises with Buildings Cover of up to £500,000. This includes not only the main shop structure but also any associated outbuildings, walls, gates, and fences. Whether you own the property or are required to insure it under a lease agreement, this cover helps protect your business from damage caused by risks such as fire, flood, storm, or vandalism—ensuring you can continue operating with minimal interruption.

Barber Insurance -Teaching Cover

If you provide barber training or educational services, Teaching Cover offers essential protection against compensation claims resulting from alleged negligence during paid instruction. Whether you're running courses, hosting workshops, or offering one-on-one mentoring, this cover ensures you’re financially protected if a student or trainee alleges they suffered a loss due to your guidance. It’s an important safeguard for barbers who pass on their skills professionally.

Barber Insurance - Money Cover

While we do not provide Hair and Beauty insurance policies directly, we recommend Ripe Insurance, whose specialist cover includes protection for theft of business money—up to £2,500. This ensures you're financially protected if cash is stolen from your premises, during transit, or from secure storage.

Here is a link to the Ripe Hair and Beauty website:

Barber Insurance - Business Interruption

We recommend Ripe Insurance, whose Barber Insurance includes business interruption cover. This protection offers up to £500,000 for loss of turnover or additional running costs if you're unable to trade due to an insured event—such as fire, flood, or storm damage.

Barber Insurance - Legal Cover

We recommend Ripe Insurance, whose Barber Insurance includes up to £100,000 of legal cover. This protection can help with the cost of defending or pursuing legal action in cases such as disputes with clients, suppliers, or employees—giving barbers added peace of mind while running their business.

Here is a link to the Ripe Hair and Beauty website:

Barber Insurance - Wide Range of Treatments Covered

Hair and beauty professionals offer an extensive variety of services, and it’s important to have insurance that accurately reflects the treatments you perform. Whether you run a salon, work freelance, rent a chair, or operate as a mobile therapist or stylist, your policy can usually be tailored to include the services you offer.

Policies can typically include cover for the following treatments and activities:

✅ Washing, Styling, Cutting and Drying of Hair
✅ Tinting, Dyeing, Bleaching and Permanent Waving of Hair
✅ Hair Extensions
✅ Use of Cutthroat Razors, Hair Clippers and Trimmers
✅ Craniosacral Therapy
✅ Crystal Healing
✅ Dermaplaning
✅ Detox Foot Spa
✅ Ear Piercing (gun and stud method)
✅ Electrolysis (hair removal only)
✅ Endermologie
✅ Eyebrow Treatments
✅ Eyelash Treatments
✅ Facials (including ionisation and steam treatments)
✅ Faradic Treatments
✅ Galvanic Treatments
✅ Henna Body Art
✅ Hot Stone Therapy
✅ Kinesiology
✅ LED Face Mask
✅ Makeup
✅ Manual Lymphatic Drainage
✅ Massage (including sports and pregnancy massage)
✅ Microcurrent
✅ Micro-Needling (max depth 1.5mm)
✅ Million Dollar Facial
✅ Myofascial Release
✅ Manicures and Pedicures
✅ Application of Nail Extensions and Nail Coating
✅ Application of Nail Art
✅ Cutting and Shaping of Nails
✅ Non-Surgical Facelift
✅ Paraffin Wax Treatments
✅ Radio Frequency
✅ Reflexology
✅ Reiki
✅ Sauna
✅ Self-Tanning & Spray Tanning
✅ Steam Room
✅ Su-do Body Art
✅ Sugaring
✅ Sunbed
✅ Threading
✅ Thai Foot Massage
✅ Toning Tables
✅ Ultrasound Treatments
✅ Vacuum Suction
✅ Waxing

This extensive treatment list helps ensure that your business is properly protected, giving you peace of mind whether you work from a salon or on the go.

Here is a link to the Ripe Hair and Beauty website:

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