Business insurance for barbers

What is a barber?

Whether it’s a latest in style fade or a neat beard trimming, as a barber, it’s your job to make sure your clients look sharp and stylish. You’ve got an eye for detail and precision is your middle name. Barbers work on your hair, but they also tend to offer grooming for facial hair, such as straight-razor shaves or beard and moustache trimming. For this reason, most of a barbers’ client base tends to be male.

If you only work with hair, and have a focus on creative hair styling, you might want to consider our hairdressers insurance.

What is AXA's barber insurance?

With AXA, your policy is fully flexible, meaning that you can choose the covers and optional extras that best suit your business. Most barbers would benefit from public liability insurance, as you are interacting with clients and members of the public on daily basis. This will cover you if someone is accidentally injured, or their property gets damaged, and it results in a claim.

If you employ others to work alongside you, then you’re legally required to have employer’s liability insurance, in order to make sure you’re well protected if someone you’re responsible for falls ill or gets accidentally injured during their time working for you.

There are also optional extras you might want to add onto your policy to give you an extra layer of cover. If you have contents insurance with us, then buildings insurance, for example, would be a great optional extra for barbers’ who operate out of their own shop, while if you only rent out a chair in a an existing store, business equipment cover can help you ensure anything from a hairdryer to specialist electric clippers are protected from theft, loss, or accidental damage.

Do barbers need insurance for their barber shop?

As a barber, you keep your clients looking sharp and stylish. Trimming beards, slicking down side-parts or shaving short-back-and-sides, you’ve got an eye for dapper detail. But you don’t want to get into a close shave by failing to invest in business insurance.

Whether you clip in client’s home, rent a chair or have your own shop, you’ll need to stay protected.  What if a client comes in for a dye and suffers an allergic reaction because you’ve failed to conduct a patch test? Or a shave goes wrong, and you end up cutting a customer?

If something like this should happen, you’ll be held liable and could stand to lose more than just money. Your reputation, professionalism, and valuable working time could all suffer in the face of a claim. Business insurance can help you handle a claim efficiently and professionally, without having pay hefty fees out of your own pocket.

Does barbers’ insurance cover freelance and mobile barbers?

Yes, it does. We’ve got a whole range of options. Public liability insurance will protect you in case you injure a customer or damage their property. Even if you don’t have a shop, you’ll have things to be protected.

Our business equipment cover will help keep the tools of your trade protected, and if you use a van to get around, then we can cover that too. If you use a car to travel from job to job, our commercial motor cover could come in handy.

What type of insurance do barbers need?

When it comes to business insurance, there’s no one size fits all. Every business has something unique to offer, and at AXA we think your insurance should match that. That’s why we allow you to tailor your policy to what you need, choosing from diverse covers to make sure your business is protected no matter what life throws at it.

Public liability insurance for barbers

This cover is important for several reasons, but most importantly in case you accidentally hurt a customer when you’re working on their hair. There are several cases where you would rely on public liability insurance as a barber, for example;

• You’re shaving someone’s hair and accidentally cut them

• You fail to clean up hair on the floor and someone slips

• A customer burns themselves on a pair of straighteners

• A customer has a bad reaction to a product you’ve used or sold them

Employers' liability insurance for barbers

If you’ve got anyone working for you, whether that’s a full-time employee, a trainee barber or even someone on work experience, you need employer’s liability insurance – it’s the law. This is so that if anyone you’re responsible for gets accidently injured or falls ill while working for you, you’re covered against their claims.

Contents insurance for barbers

Every business has contents that they need to protect. For you, that might be your styling tools, razors, clothing capes and even the industry products that you use to give your clients that final pulled together look. Whatever it is, contents insurance can help protect the things that keep your business running, day in, day out.

How much does barbers’ insurance cost?

Your service is bespoke, so your insurance should be too. The best way to find out the price you would be paying is to get a quote. It’ll take a few minutes to find out online – plus, there’s a 10% discount**. Choose a one-off annual payment or spread the cost over monthly payments to ensure you’re paying in a way that suits your business too.

What business insurance do barbers need?

Pick and choose from the options below to style the barbers insurance you need.

*The guidance is provided on behalf of AXA by Arc Legal Assistance Ltd who are authorised and regulated by the Financial Conduct Authority.

**This discount is applied automatically and lasts for the lifetime of your policy.