Mobile Hairdresser Insurance
Are you a mobile hairdresser? If so, you may want to consider getting mobile hairdresser insurance for your business. Many people underestimate the potential risks of running a beauty salon on the go. When mobile hairdressers operate in public spaces such as parks and streets – they are not always fully protected by their client’s home insurance policy. That is why we recommend all our clients purchase an extension of their commercial vehicle policy that includes cover for personal liability and also covers their staff when they’re working away from the salon premises.
Do I Need Mobile Hairdressers Insurance?
The simple answer to that is yes. Like all businesses, mobile hairdressers also need insurance. They might need extra protection for their automobile and equipment.
Types of Mobile Hairdresser Insurance:
Insurance for Equipment
When you’re running a mobile business, there are chances that you might lose your tools and equipment, so you need to have the right insurance for your tools. It just makes sense in case you lose your tools or equipment in an accident.
Insurance for Personal Liability
Another important reason mobile hairdressers need insurance is to protect against personal liability claims when someone is injured by mistake while getting treatment from your salon on wheels. This might cover both the customer and yourself if they attempt to sue for damages or injuries sustained.
Insurance for Your Vehicle
Most insurance companies that provide motor trade insurance policies also cover mobile hairdressers. This can vary from one company to another, so it is worth looking around for an insurer who will work with you to ensure your business is adequately covered and at an affordable price.
When you are driving a car or any other vehicle used for business purposes, it must have the appropriate insurance. If you are a mobile hairdresser and use your car to travel to appointments, you need to ensure that your car insurance policy includes business cover.
If you’re using a hired vehicle, the company should provide adequate cover for business use. If you’re using a company car, then it is your employer that should provide the necessary insurance cover for business purposes – not through car insurance providers but via their commercial vehicle policy.
Public Liability Insurance
Public liability insurance is essential if you are running a mobile hairdressing business. This will cover claims for injuries or damages to third parties from your treatment of customers on the move. It’s unlikely many people would sue if they slipped over in their driveway, but it can happen when there are other people around who could be injured or who might claim that they were.
Public liability insurance is the least expensive form of business cover you can buy. Yet, it provides excellent protection for you and your business – as well as acting as a deterrent to those thinking about making unfounded claims against you.
How Can Insurance Help A Mobile Hairdresser Business?
There are a few key ways insurance can help your mobile hairdressing business.
By having the appropriate cover in place, you can feel reassured that:
– You’re protected against personal liability claims from customers
– Your equipment is insured for loss or damage
– You have cover for business use of your car
– You have protection when using hired vehicles
– Public liability is covered if your treatment of a customer causes injury or damage to another person in the vicinity.
As a mobile hairdresser, you’re likely to encounter people from all walks of life. This can sometimes mean that you find yourself in tricky legal situations.
Legal insurance is an optional extra that can be added to your commercial vehicle policy, and it provides access to expert legal advice when you need it most. With this type of cover, you can relax knowing that you have someone to help guide you through the legal process, whatever the situation.
Personal Accident Coverage
A benefit of personal accident insurance cover is that it provides compensation for those injured as a result of an accident while you’re on the move. This can help reduce the financial burden caused by any injuries sustained and speed up the claims process so that costs are kept down.
Third-Party Property Damage Coverage
If the fault of another damages your car, then third party property damage coverage can help cover costs associated with repairs or replacement. This type of insurance also covers loss caused by theft and vandalism, so you know that everything possible is being done to keep your vehicle safe while you’re out on business.
Mobile Hairdresser Insurance:
Mobile hairdresser insurance can vary from one company to another, so it is worth looking around for an insurer that will work with you to ensure your business gets covered correctly and at an affordable price.
Find out more about the importance of insurance here.
Other useful links about Business Insurance:
Modus Landlord Insurance
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