Things you Need to Know About Insurance as a Freelance Hairdresser
Being a freelance/self-employed hairstylist or a mobile hairdresser can mean that you have a lot of things to keep on top of and admin to handle yourself. One thing you need to make sure you have in hand is your insurance, especially during the Coronavirus pandemic.
It can be a minefield figuring out what you need from your car to your kitbag but that’s where the Freelance Hairdressers Association (FHA) can help. When you join the FHA, you automatically gain comprehensive public liability freelance insurance, developed specifically for hairdressers and beauty therapists and designed to cover every aspect of your business.
Below the FHA have answered some of the most common questions posed regarding insurance for freelance hairdressers…
What should insurance cover?
As a freelance hairdresser, you are required to have adequate Public and Products Liability insurance cover in place. It is crucial to have insurance specifically written to include the many services freelancers provide, including things like extensions, colour, additives and keratin.
A good Public and Products Liability insurance will include Treatment Risk cover for any one occurrence up to the Limit Indemnity against legal liability for damages in respect of accidental Injury or accidental loss of or damage to property to a third party, excluding any property being worked upon. Product Liability is important to cover you for loss of or damage to any product supplied caused by any defect or the harmful nature or unsuitability of the product.
Here the FHA answer highlight the most common concerns freelancers have regarding insurance and to find out more about the FHA members policy visit https://thefha.org.uk/insurance/.
Can I get insured to cover me working in multiple settings as a freelance hairdresser?
Absolutely and this is essential to ensure you are always covered. A freelance hairstylist, beauty therapist and barber includes those renting a chair in studios, home salons, care homes, session work, education and mobile hairdressing. So check your cover for peace of mind that wherever you are working you are covered.
Do you need specific qualifications to access insurance?
It is a condition of the FHA Insurance that you have:
1. gained qualifications recognised by the Freelance Hair Association for the treatments undertaken and have gained two years appropriate experience
2. have gained qualifications recognised by the Freelance Hair Association and are working towards gaining two years’ experience, undertaking continuous professional development monitored by the Freelance Hair Association.
I offer lots of different services – how do I know what’s covered?
A good policy will mean additives like Olaplex, keratin, and straightening treatments are all covered. Barbering should also be covered in a policy often subject to a sterilisation warranty; it is a condition of this policy that any razor or clipper blades, steel combs, or any item which could pierce the skin while in use must be brand new or thoroughly sterilised.
What about if I do both hair and beauty services, do I need separate policies?
Acrylic and gel nails, lash and brow tints, brow threading and waxing and non-permanent makeup are often included alongside hair services but again it’s very important to check this with your provider.
As a freelance hairdresser colour is the main area I worry about – how do I make sure I’m covered with my insurance?
Provided that you follow the industry Allergy Alert Test protocol, colour services should be covered.
The protocol states:
– A skin test must be done on every client, following manufacturer’s instructions or using a Colour Start Patch, once a year, providing there is no change in the colour or product range.
– A skin test must be repeated for the client, following manufacturer’s instructions or using a Colour Start Patch, if there is a change in the chosen colour or product range.
– The skin test results must be kept on file (for FHA insurance it would be for six years so again check individual policies).
To help you stay on top of skin testing, the FHA provides Allergy Alert Consultation documents.