If you are a mobile hairdresser, you will probably be working in more than one location every day and this can lead to a wide range of risks. This is why it is important that you get quality insurance to protect you in case of complications during work. You might find it to be stressful to compare mobile hairdressing insurance quotes due to the fact that there are a lot of options available. Due to the nature of the job, mobile hairdressers will have to be visiting clients in their home, or even in care homes and other locations, and all of these can leave you exposed to allegations against you. Mobile hairdressing insurance can be used to prevent you against a wide range of risks that are associated with your job.
A lot of mobile hairdressers often doubt the importance of mobile hairdressing insurance in their business due to the fact that they are often small business with very little in the way of business property. Even though you might find it hard to think of what could go wrong with your business for you to need a mobile hairdresser, mobile hairdressers often encounter the same risk associated with larger businesses. However, to make matters worse, mobile hairdressers are small businesses so they will be less likely to take unexpected losses. This is why insurance is even more important to mobile hairdressers. Mobile hairdressing insurance provides mobile hairdressers with a simple cost-effective solution.
LIABILITY INSURANCE FOR MOBILE HAIRDRESSER
There are a lot of factors to take into consideration when you are arranging your mobile hairdressing insurance. Public Liability insurance is often the main focus of a mobile hairdresser insurance policy and it will typically protect your responsibility for any accidents that may take place. This insurance policy will cover you if a compensation claim is made against you. For instance, if a pair of straighteners accidentally fall into the floor and burnt the carpet at your client’s house, the public liability insurance can cover the cost of replacing the carpet. Also if a client tripped over the wire of your hairdryer resulting in injury, it is also capable of handling the liability for accidental injury to members of the public. Public liability can provide you with all the protection you need and any damages gotten will generally be covered as well as legal costs associated with it.
HAIRDRESSING TREATMENT RISK
This policy protects mobile hairdresser against claims for any form of injury or illness caused to a client due to a listed treatment that you carry out. So on the occasion that a client suffers a burn or reaction to a product like color or bleach, this policy will cover it. It is however important for people to know that this is a different cover from public liability and it is essential for mobile hairdressers to have.
Equipment and products are one of the most important parts of your business as a mobile hairdresser. You can also include loss of or damage to your hairdressing equipment and products in your business INSURANCE policies to provide a more comprehensive policy to handle more situations. This policy will also cover expenses if a product that you supply to a client is faulty and injures them or damage they’re belonging.
PERSONAL ACCIDENT AND SICKNESS INSURANCE
If for instance, you find yourself in a situation where you are unable to work due to the fact that you have been injured or you are suffering from an illness, you will not be able to earn money even though you will still have to pay your monthly bills. This insurance policy known as personal accident and sickness insurance protects the income of mobile hairdressers by paying them a weekly benefit during periods of time that they are temporarily incapacitated. However, if the incapacitation appears to be permanent, a large amount of money will be paid to the mobile hairdresser. Also in the event of certain injuries like loss of an eye or loss of a limb or, if you die, a large amount of money will be paid to the mobile hairdresser. This can also be used to protect the income of mobile hairdressers if something happened to their equipment. This implies that if your equipment is missing or you are currently unable to attend your appointments, this insurance can also cover for your lost income.
OTHER TYPES OF INSURANCE
You can also get insurance for legal cost in the event that you become involved in legal action. These legal bills can sometimes be expensive if you find yourself brought with criminal charges against you, in a dispute with a neighbour or if you become involved in a contractual dispute or if you are the subject of a tax/VAT or if you are called to an employment tribunal.
One last thing you will want to shop around for prices so check out these comparison sites and you will get great prices for the best insurance.