13 Strategies to Get the Best Hair Stylist National Insurance Card

Hair stylist insurance: If you live and work in the United Kingdom, you’ll need a National Insurance (NI) number. This number ensures that the taxes you pay throughout the year are recorded against your name. The number consists of 2 letters, 6 numbers, and 1 letter at the end (e.g., AC654321C). If you didn’t receive an NI number automatically, you just have to call HM Revenue and Customs (the department responsible for collecting taxes) in order to apply for one. There are also a few different ways you can easily retrieve your number if you lost it. Note that your NI number is no longer printed on a government-issued card, so be sure to write it down and store it in a safe place!

Read on: 30 Ways to Save on Renters Insurance

Hair stylist insurance

Hair stylist insurance: BusinessHAB.com

1. Make sure you meet the National Insurance UK residency requirements.

In order to apply for an NI number, you need to live in the United Kingdom, with a UK phone number and a UK address. You will need to apply for a number if you plan to move to the UK for work or school and want to claim tax benefits.

  • Your NI number serves to tie your National Insurance contributions and tax payments to you specifically. Your number is thus uniquely assigned to your name.
  • If you were born in the UK or have resided there as a child, you will normally receive an NI number in the mail automatically in the 3 months before your 16th birthday.

Read on: 50 Business Insurance Policies You Probably Need, But Don’t Know You Do!

2. Check your residence permit to see if you already have an NI number.

If you’re moving to the UK, you may already have been given an NI number as part of your application for the right to live in the country. Look on the back of your biometric residence permit (BRP) to see if your NI number is printed there.

  • If an NI number is not printed on your BRP, simply call the application phone number to begin the process of receiving one.

Hair stylist insurance

3. Call the NI number application line and schedule an interview.

After you call the application phone number, the Department for Work and Pensions (DWP) will send you a letter inviting you to an in-person interview. The interviewer will ask you about your living and working circumstances and about why you need an NI number.

  • The application phone number is: 0800 141 2075. There is also a Welsh language phone number you can call, which is: 0800 141 2349.
  • The business hours for the application phone number are Monday-Friday from 8:00 am to 6:00 pm.
  • The interview will be held at a Jobcentre Plus office. Your letter will tell you where specifically your interview will be held.

4. Bring documents that prove your identity to the interview.

The letter you receive from DWP will specify what types of documents can be used to prove your identity. Some examples of documents you could bring include:

  • Passport or identity card
  • Residence permit
  • Birth or adoption certificate
  • Marriage or civil partnership certificate
  • Driving license

Tip: Once you’ve been given your NI number, it’s a good idea to write it on a small piece of paper or plastic card so you can keep it in your wallet or purse at all times.

Read also: 50 Ways to Save Money on Insurance: Geico Business Edition

Hair stylist insurance

5. Include an NI number application if you’re applying for student loans.

The Student Loans Company can arrange for you to receive an NI number if you don’t have one already. Make sure you check the box on your application indicating that you don’t have an NI number in order to receive one as part of your student loan award.

  • This method is a much easier way to apply for an NI number than calling the application phone number and waiting for a DWP letter.
  • You’ll probably be required to attend an “evidence of identity” interview as part of this process.

6. Hair stylist insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the hair stylist insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. The insurance packages typically include:

  • General liability
  • Professional liability (E&O)
  • Commercial auto
  • Workers’ compensation
  • Commercial property
We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different hairdressing business insurance policies available and save up to 10% when you bundle two or more of our policies.

Read on: 50 Tips for a Successful Tutoring Business Insurance Campaign

Hair stylist insurance

7. How much does hair stylist insurance cost?

Hairdressing insurance quotes vary based on the risks that your business faces, such as:

  • The size of hair salon you work at
  • Where your salon is located
  • Your payroll and the kinds of work your employees do
  • If you drive a car for work
Bought by 95% of business owners like you
General liability insurance covers a wide range of hairstyling accidents and basic risks. You’ll have financial protection if one of your clients gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by salon owners if you rent a chair at their salon.

General Liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments

Hair stylist insurance

9. Professional Liability (E&O)

Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of using dye that damages a client’s hair, it could help cover related expenses to defend yourself.

Professional Liability can help you pay for:

Professional negligence (actual or alleged)
Legal judgments
For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you are driving for business purposes — for example, if you scrape the side of a car while pulling into a parking space at the salon.

Commercial Auto can help you pay for:

Medical expenses
Rental reimbursement

11. Workers’ Compensation

Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

Workers Compensation can help you pay for:

Medical expenses
Employer liability

Hair stylist insurance

12. Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses

Read also: The 50 Best Progressive Insurance Careers

13. Hair stylist insurance requirements

Hair stylists are almost always required to have insurance due to the risk of accidentally causing customer injuries or damage to their personal property. You might need insurance to:

  • Start working independently or at a salon. Salon owners might expect you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Hair stylist insurance


You can save up to 25% in discounts on hair stylist insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like