Insurance for hairdressers.

Commercial liability insurance is not mandatory for hairdressers, but many SMEs opt to take out it.

Commercial liability insurance protects you against personal injury and property damage that you cause to others. You can also take out business interruption insurance for your salon, or protect yourself and your employees with daily sickness allowance insurance.

Business inventory insurance covers damage to your inventory, including expensive tools and furnishings such as washbasins, mirrors and hairdressing chairs. In the event of a fire, the insurance not only covers the costs of movable property such as chairs and hair dryers but also covers damage to permanently installed equipment such as washbasins. Damage caused by water or burglary is also covered by this insurance. 

As a hairdresser, you interact with customers, employees, suppliers and landlords. The needs of these groups of people could not be more different. For this reason, corporate legal protection insurance may also be a good idea. If a customer is not satisfied with their haircut and takes legal action, for example, this insurance will protect you. The same applies to disputes with landlords or suppliers. This insurance also covers the costs of legal advice, lawyers and court proceedings.

Covered: 

• Personal injury: Injuries suffered by customers during treatment. For example, cuts or allergic reactions to hair products.
• Property damage: Damage to customers’ personal belongings. For example, clothing damaged by hair dye.
• Financial loss: Financial losses resulting from personal injury or property damage.

Not covered: 

• Intentional damage: Damage caused intentionally.
• Professional mistakes: Damage caused by a lack of specialist knowledge or improper performance of the work.

The cost of commercial liability insurance for hairdressers in Switzerland varies depending on the provider and scope of coverage. In general, the annual premiums for commercial liability insurance are between a few hundred and a few thousand francs per year. 

We would be happy to advise you personally and create a non-binding quote.

Please note that no claims whatsoever may be derived from the description on our website:

• Non-binding information: All information on our insurance policies and benefits is provided for information purposes and does not constitute a legally binding offer.
• No guarantee that information is complete or up to date: As insurance policies and legal frameworks can change, we recommend that you always read the official contractual documents or seek advice.
• Individual contractual conditions apply: The final benefits and entitlements depend on individual policies, applications, insurance conditions and agreements.
• Exclusion of liability: Generali accepts no responsibility for errors or misunderstandings that may arise as a result of the content of the website.

The terms of use on the Generali website apply.