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Running a barber shop comes with certain dangers and risks, which is why you need to make sure your business is adequately protected. An efficient way to do this is to gather quotes from more than one insurance provider, enabling you to compare prices and policies.

The hair and beauty sector is notoriously busy, with successful salons seeing high levels of foot traffic daily. Of course, such a dynamic environment increases the likelihood of someone having an accident or damaging your property. Finding the right insurance policy is the only way to cover yourself from any unexpected events.

Fortunately, Quote Goat make it easier than ever for you to compare barber’s insurance quotes. Just click the ‘Get Quotes’ button above, fill out your details, and then speak to one or more insurance providers about your specific policy requirements.

After all, every establishment is different, and Quote Goat are here to help you find the perfect insurance policy for your business.

What Is Barber Shop Insurance?

Barber’s insurance combines a range of covers designed to protect your business from certain events, including fire, damage, theft, loss of earnings and injury or loss to your employees, customers & the public.

Why Do I Need Barber Insurance?

Although you might think it’s doubtful, accidents do happen. When you’re running a business, especially one that works very closely with customers, you have a responsibility to protect your customers, staff, and business; finding an adequate insurance policy is the only way of providing that protection.

As a barber shop owner, the safety of your business should always be of paramount importance. Barber’s insurance can protect your stock against damage or theft, your building from vandalism and your business from any claims from customers or employees. Whatever your requirements, you can tailor your policy to suit your own specific needs.

What Insurance Does A Barber Shop Need?

When putting your insurance policy together, there are often many options and add-ons. But there’s no need to feel overwhelmed by it all because you need to remember that no two barbers are the same, and you need to select options applicable to your business.

For the most part, however, you should consider including the following insurance to make sure you’ve covered all the major bases.

Contents Insurance – this will cover your stock, shelves, displays and other types of equipment from theft and damage. In short, this will protect your shop’s interior.

Public Liability Insurance – since you’ll undoubtedly be expecting customers, this insurance needs to be considered a top priority. Public liability insurance will cover legal costs and compensation if a customer injures themselves or damages their property on your premises.

Employer’s Liability Insurance – if you employ any staff, you’ll be required to take out employer’s liability insurance to protect you in case an employee becomes injured while working for you.

Buildings Insurance – if you own your salon building, you’ll need to take out buildings insurance to cover the costs of repairing any damage or vandalism.

Product Liability Insurance – this covers you in the event of a product you sell causing damage, injury or illness to a customer. Even if you haven’t manufactured the product, you can find yourself liable in such an event.

Business Interruption Insurance – if you’re unable to open your doors due to theft, vandalism, fire, or similar circumstances, this will cover the costs of lost sales, wages, and even rent. Business interruption insurance is essential for getting yourself back on your feet in a disaster.

Is Barbers Insurance Required By Law?

Although the industry would strongly recommend many aspects of shop insurance, only employer’s liability insurance is a legal requirement. Once you’ve become an employer and started hiring staff, you could be fined £2500 for every day you do not have proper insurance, so it’s essential to get this sorted straight away.

However, ignoring other covers could have even more significant repercussions on your business and livelihood.

Compare Cheap Barber Shop Insurance Quotes

Barber’s insurance can include as many (or as few) of these covers, giving you a tailored policy. It all depends on which aspects are relevant to your business and which parts of your shop need protecting.

Insurance prices depend on what is covered, where you’re based and the risk involved for the insurance provider. However, you can always compare insurance quotes at Quote Goat to find a good deal.

Just enter your details through the link at the top of the page, and then speak to one or more insurance providers to find a tailored insurance policy.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.