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Doing something you love is worth protecting, so whether you’re a nail technician, beautician, hairdresser, or barber, we can help you find the most appropriate business insurance for you.

Choose from all types of hairdressers, barber, and beauty therapist cover, including:

  • Public liability
  • Products liability
  • Building insurance
  • Employers’ liability
  • Stock cover
  • Personal accidents
  • Business interruption
  • Glass cover

You can get cover for all types of salons, including:

  • Hair salons
  • Beauty salons
  • Nail salons
  • Spas
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A guide to salon insurance

If you run your own salon or are a freelance beautician, hairdresser, or barber, then you need salon insurance to protect your business from unexpected risks and financial losses.

What is salon insurance?

Salon insurance is a type of business insurance designed specifically for salons, including hair, beauty, nail, and spa businesses. If you are a freelance hairdresser, beautician, or other type of beauty specialist, then there are elements of salon insurance that you will need too, in order to protect you and your business.

Salons face unique hazards like slips, falls, or allergic reactions to treatments. Without insurance, owners could be liable for significant financial losses from legal claims or compensation demands.

Salon insurance provides cover for these various risks associated with running a salon, such as liability for client injuries, damage to client property, or accidents on the premises. It also typically covers the salon’s equipment, stock, and property against damage, theft, or loss. It can also make provision for business interruptions, ensuring that operations can quickly resume after unforeseen events.

Essentially, it helps safeguard you, the salon owner, from potential financial burdens that could arise from unexpected incidents.

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What types of beauty business can salon insurance cover?

Salon insurance is a specialist type of business insurance for those who work in the health and beauty occupation in a salon or as a freelancer, such as, but not limited to:

  • Nail technicians
  • Hair and beauty consultants
  • Make-up artists
  • Manicurists and pedicurists
  • Beauty salons
  • Cosmetic and make-up artists
  • Hair and beauty salons
  • Beauty therapists

What does salon insurance include?

Salon insurance cover can vary depending on the type of business you perform; whether you need business premises insurance or are looking for freelance beautician cover; and whether you have employees; etc.

Main salon insurance cover options

Below are some of the cover options that you’ll find in many salon insurance policies and would usually be considered the most important type of cover.

  • Building insurance: If you don’t already have a building insurance policy in place for your premises, then you can have it included as part of your salon insurance. Having building insurance is vital when you run a business. If your salon were to be damaged by fire, for example, then the repair/rebuild costs could be devastating if you didn’t have cover in place.
  • Public liability: Public liability insurance is a very important element of cover for any type of business. Liability claims are not uncommon nowadays, and if a member of public were to be injured, have their property damaged, or feel wronged by your business, then you could easily find yourself facing a claim.
  • Employers’ liability: If you have employees, then you’re legally obliged to get employers’ liability insurance. This will cover you for compensation claims that come from your employees. This might be due to injury, unfair dismissal, or another type of dispute. You can have legal expenses added to your policy for both public liability and employers’ liability insurance too.
  • Business interruption: If you had to close your business down for a period of time due to an insured event (e.g., a flood or fire), then this type of cover would ensure that you’d still receive your business income (up to pre-agreed limits) until you were able to reopen.
  • Product liability insurance: Covers claims related to products you sell or use in treatments that cause harm to clients.

Additional salon insurance cover options

Below are some additional types of cover that you can have included in a salon insurance policy.

  • Contents cover: This will cover the contents of your salon. Contents cover isn’t a necessity, but you might consider it depending on how expensive the equipment you have is and how much risk you think it’s at.
  • Glass cover: The glass at the front of your salon can be quite costly to replace if it’s damaged, either accidentally or due to vandalism. This type of insurance will cover the cost of it being replaced.
  • Utilities failure: If the gas, water, or electricity were to fail in your salon, then it could cause quite a lot of disruption to your business. Therefore, utilities failure is a very useful type of cover to get.
  • Money cover: You can also cover the money that’s kept on your premises as part of a salon insurance policy.
  • Personal accidents: Accidents can occur quite easily in salons, whether it’s cuts, burns, or another type of injury. If one of your employees were to be injured while working, then this type of cover would ensure they received the proper treatment.

A guide to salon insurance

If you run your own salon or are a freelance beautician, hairdresser, or barber, then you need salon insurance to protect your business from unexpected risks and financial losses.

How much does salon insurance cost?

The cost of salon insurance varies depending on several factors, including the size and location of your salon, the services you offer, the number of employees, and the level of cover you require. It’s important to shop around and compare quotes from different insurers to find a beauty therapist insurance policy that fits your budget while also providing adequate cover.

Why compare salon insurance?

Salon insurance is a specialist type of insurance cover, so it is important that you compare salon insurance quotes to ensure that you select the most cost-effective and suitable insurance for your unique needs. Different insurance providers offer policies with varying levels of protection, exclusions, and premiums. By comparing, you can find a policy that meets your specific needs, covering essential aspects like liability, equipment, and property, while avoiding overpaying for unnecessary cover.

Additionally, comparing salon insurance policies helps you identify any gaps in cover that could leave your business vulnerable. Ultimately, it ensures you have comprehensive protection tailored to your salon’s unique risks and budget.

Money savings tips for your salon insurance

There are several ways to save money on your beauty salon insurance, such as:

  • Making your premises secure: A good way to potentially reduce the cost of your insurance is to make your premises secure. Insurance providers will consider the security of your premises when coming up with a cost for your insurance, as this will indicate how likely you are to be the victim of vandals or thieves. Taking measures such as having a good shop front shutter installed, CCTV inside the building, and security lighting may help to reduce the price you pay for salon insurance.
  • Paying annually: If you can afford to pay for your salon insurance annually when you first take it out, many insurance providers will offer a reduction on the overall policy cost. It’s not always affordable, but it can be a way to keep costs down.
  • Increasing the excess: The amount you pay towards the first part of a successful claim is known as the excess. The more excess you choose to pay, the lower your monthly payments will be. This is somewhat risky if you do end up making a claim, but it is a good way to keep initial costs down.
  • Get quotes from lots of salon insurance providers: An obvious way to save money on salon insurance is by getting quotes from as many different insurance providers as you can. Doing this is very beneficial as it enables you to easily compare the quotes you get and choose the one that you consider offers the best value for money. If you click the button below, you’ll be able to receive quotes from hair and beauty salon insurance specialists.
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In summary: Buying salon insurance

Salon insurance is a specialised business insurance tailored for salons and freelancers, including hairdressers, beauty therapists, and nail technicians. It provides essential cover for various risks such as client injuries, property damage, and legal liability. It also can cover business assets like equipment and stock, safeguarding against theft, damage, or loss. By having salon insurance, business owners can ensure financial protection, maintain a good reputation, and have peace of mind.

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To get salon insurance quotes from a panel of specialist insurance providers now, simply click the button below.

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Salon insurance FAQs

How often should I review my salon insurance policy?

It’s a good idea to review your salon insurance policy annually or whenever significant changes occur in your business. This ensures that your cover remains adequate and up-to-date, protecting you against new risks or changes in your business operations. Regular reviews can also help you identify opportunities to save money by eliminating unnecessary cover or finding more attractive deals with other insurance providers.

Can I change my salon insurance policy?

Yes, you can usually amend your salon insurance policy if your business needs change. For example, if you start offering new services, hire additional staff, or move to a new location, you may need to adjust your cover. Contact your insurer to discuss any changes you need to make, and they will update your policy accordingly. Be aware that changing your salon insurance policy may affect your premium, either increasing or decreasing the cost, depending on the changes you make.

How do I make a claim on my salon insurance?

If you need to make a claim on your salon insurance, contact your insurance provider as soon as possible. Provide them with all the necessary details, including what happened, when, and where. You may also need to provide supporting documents, such as photos, witness statements, or receipts. Your insurer will guide you through the process.

How do I choose the most suitable salon insurance policy?

To choose the most appropriate and cost-effective salon insurance policy, start by assessing the specific risks and needs of your business. Consider the services you offer, the replacement costs of your equipment and stock, the number of employees, and the potential risks involved in your day-to-day operations. Once you have a clear understanding of your needs, compare business insurance quotes from different insurance providers, looking at both the cost and the cover offered. It’s also a good idea to read reviews and check the insurer’s reputation for handling claims.

Do mobile hair and beauty therapists need business insurance?

Yes, mobile hair and beauty therapists require business insurance just as much as any other beauticians. In addition to various levels of business insurance, it’s also wise to consider van insurance if you’re using a vehicle to transport your equipment as well as breakdown insurance.

Do self-employed beauticians and hairdressers need business insurance?

Yes, self-employed beauticians typically may need some kind of business insurance, though the type of cover required depends on the stage of your business. If you’re newly self-employed, public liability insurance is essential, but you might not need buildings, contents, or employers’ liability insurance yet. As your business grows, and if you hire employees or move into a physical salon, additional cover such as employers’ liability and property insurance will become necessary.

Does salon insurance cover mobile services?

Yes, many salon insurance policies can be extended to cover mobile services. If you offer treatments at clients’ homes or at different locations, it’s important to ensure that your insurance policy includes cover for these activities. Mobile salon insurance typically provides the same types of cover as standard salon insurance but is designed to protect you while working outside of your main premises.

What happens if I don’t have salon insurance?

If you operate without salon insurance, you risk facing significant financial losses if an accident, injury, or damage occurs. For example, if a client sues you for an injury sustained in your salon, you would be responsible for covering all legal fees, compensation, and other related costs out of pocket. Additionally, if you don’t have employers’ liability insurance when required, you could face legal penalties, including fines.

Is salon insurance mandatory in the UK?

While not all types of salon insurance are legally required, some aspects, such as employers’ liability insurance, are mandatory if you have employees. Public liability insurance, although not legally required, is highly recommended because it protects you against claims from clients or third parties. Without it, you could be personally liable for any damages or injuries that occur because of your business activities.

Can I get a tailored salon insurance policy?

Yes, many insurance providers offer tailored salon insurance policies that can be customised to meet the specific needs of your business. Whether you run a hair salon, beauty salon, nail bar, or spa, you can choose the types and levels of cover that most suit your operations. Tailored beauty business policies ensure that you’re not paying for unnecessary cover while still protecting against the risks most relevant to your business.

Why is salon insurance needed?

A salon insurance policy will protect your business from major risks, such as liability claims, damage/loss of stock, cash, and personal accidents. To run your business with full peace of mind, you’ll certainly want to get a salon insurance policy. Even if you already have a building insurance policy to cover your premises for structural damage, you still need to get cover for things like liability claims and other risks that come with running a salon.

What does salon insurance cover?

A salon insurance policy can be tailored to suit the needs of your business. If you have employees, then you’re obligated by law to have employers’ liability insurance. Outside of this, you can also get cover for your buildings (if you don’t already have it) as well as cover for your stock, cash, equipment, etc., and things like personal accidents and glass cover.

What types of salons can be covered under a salon insurance policy?

You can get cover for any type of salon, including hair salons, beauty salons, or nail salons. You can also get business insurance cover if you work as a freelancer, such as a mobile hairdresser, beauty therapist, or nail technician.

How much does salon insurance cost?

The cost of a salon insurance policy will depend on a few key factors. These are:
  • The security of your premises
  • How many employees you have
  • The area where your business is located
  • The level of cover you get