Hairdresser, which insurance to choose?

 Hairdresser, which insurance to choose?

We'll explain everything you need to know about insurance if you're a hairdresser.

In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a hairdresser? What are the main risks in your business? When do you become responsible as a hairdresser? In addition, there are many insurers and it is never easy to know where to turn or which cover to choose.

We explain everything to you and give you the list of the best hairdressing insurance.

Summary

    Hairdresser, what are your compulsory insurance?
    What is the price of professional hairdressing insurance?
    Hairdresser's professional civil liability insurance
    What are the best hairdresser insurance?

Hairdresser, what are your compulsory insurance?
Professional Liability
Status
Optional but recommended
advice
To cover you for damages caused to third parties. Often included in the professional multi-risk
Professional multi-risk
Status
Optional but recommended
advice
Covers your business premises, equipment and goods
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Business interruption guarantee
Status
Optional
advice
Financial security in the event of a disaster making activity impossible (compensation over a given period)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional hairdressing insurance?
Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our hairdresser insurance comparators
COMPARE 12 CONTRACTS
RC PRO INSURANCE
COMPARE 34 CONTRACTS
OF TNS MUTUAL
COMPARE 7 CONTRACTS
MULTI-RISK INSURANCE
Hairdresser's professional civil liability insurance

The hairdresser RCP protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace. For example, if you accidentally burn a customer's hair, if a product causes a skin allergy or if an item of clothing is accidentally stained during your service, your RCP will compensate the customer for the damage suffered.

Although you do not have a legal obligation to take out professional liability insurance because it is not a so-called regulated profession, this insurance is highly recommended.
What are the guarantees of the professional hairdresser liability insurance?
Professional Civil Liability (RCP)
Main risks
Damaged hair, stained clothes, employee injured by the equipment
Probability
Important
Comments
Indispensable in view of the many risks of accidents. Most of the time, a multi-risk contract covers your RCP
Juridic protection
Main risks
Legal proceedings initiated by a client or an employee following your service
Probability
Important
Comments
Often optional and expensive (50% additional cost) but essential for liberals
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