Barber Insurance

If you have any employees, part time or apprentices – you need employers’ liability cover by law. If you don’t, you could face up to £2,500 a day without cover.  

When you work up close with clients, accidents or injuries can happen – for example if you accidently cut a customer with clippers or a customer slips on a wet floor could lead to expensive legal costs or compensation you need to pay.

Without sufficient cover, you could end up paying out of your own pocket if someone makes a claim against your business or you don’t have a policy to claim on if you need to.

Prices could start from around 28p a day*.

But no two insurers are the same and the following may affect your barber insurance costs:  

• Extent of cover - The more cover you require, the more expensive your package is likely to be.  
• Your insurer - The insurer you choose may also influence costs.  
• Employees – If you employ staff or take on apprentices may impact your premium 
• Business activities - The type of services your barber shop offers will play a big part in determining the scope of your cover, influencing costs.  
• Location  –  Where your barber shop is located will be taken into account.  
• Claims history - Whether or not you’ve had claims made against you or you have made previous claims may affect your future premiums. 

_{*This price is for a barber customer  – 10% of customers who were sold with one of our panel providers paid £101.13 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £8.43 a month or £0.28 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

If you have apprentices or training barbers that aren’t fully qualified you must tell your broker so the right cover can be arranged.

Keep in mind your cover is only likely to be valid if you stick to the following:

• Apprentices only carry out activities they’ve been professionally trained for
• They should be under regular supervision by someone who is fully qualified
• You tell clients the apprentices are not fully qualified

Please check with your insurer for terms and conditions that you may have to follow.

At Bionic, we support UK business owners and want to help in every way we can. That's why we have knowledgeable insurance brokers who work with a panel of trusted insurers to find you insurance for your barber shop – that fits. We cut through the jargon, and our UK-based team are on-hand to talk you through your options. Get in touch with us today by starting a quote online. You can often get cover the same day you apply.