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Beauty Salon Insurance UK: Why It’s Worth It
Running a beauty salon means more than delivering great service. It also means thinking about what could go wrong. From a client slip to a treatment…
Beauty SalonInsurance
Beauty Salon Insurance
Public liability and treatment cover built for beauty salons, covering the treatments, therapists and retail products that come with running a salon.
Public liability and treatment cover built for beauty salons, covering the treatments, therapists and retail products that come with running a salon.
Allergic reactionsRetail product salesTherapist cover
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is beauty salon insurance?
Beauty salon insurance is a combination of covers built around offering beauty treatments, public liability for injury or damage, treatment liability for claims arising from a treatment, and employers’ liability for your therapists.
One policy. Multiple risks. An allergic reaction, a burn from a treatment, or an injury on your premises can all lead to a claim, whatever treatments you offer.
The right beauty salon cover depends on:
Types of treatments offeredNumber of treatment roomsNumber of employed or self-employed therapistsWhether you own your premisesStock value and turnoverClient-facing reception area
Cover that fits the way you treat
Cover that fits the way you treat
Treatments, therapists and retail products bring their own everyday risks.
Treatments, therapists and retail products bring their own everyday risks.
RecommendedTreatment Liability
Protection if a treatment causes a client physical harm.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedPublic Liability
Protection if a client or visitor is injured or their property is damaged.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you trading.
OptionalStock & Equipment
Cover for treatment equipment and retail stock.
OptionalProduct Liability
Protection against claims arising from products you’ve sold or used.
What could go wrong in a beauty salon?
What could go wrong in a beauty salon?
Most beauty salon claims come from an allergic reaction to a treatment, a burn or skin damage, a therapist injury, or a product sold that causes harm.
Most beauty salon claims come from an allergic reaction to a treatment, a burn or skin damage, a therapist injury, or a product sold that causes harm.
Is this cover right for your salon?
This type of business insurance may suit you if you offer beauty treatments.
The right cover depends on:
Independent beauty salonsSalons with self-employed therapistsAesthetics and skin clinicsSalons with multiple sitesSalons offering mobile treatments tooSalons with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
An allergic reaction, a client slip, a therapist injury and a product liability claim are the four beauty salon scenarios insurers see most. Each responds to a different cover.
An allergic reaction, a client slip, a therapist injury and a product liability claim are the four beauty salon scenarios insurers see most. Each responds to a different cover.
Allergic reaction
A client reacts badly to a treatment.
Potential cover
Treatment Liability
Customer injury
A client slips or trips in the salon.
Potential cover
Public Liability
Staff injury
A therapist is injured using equipment.
Potential cover
Employers’ Liability
Product liability claim
A product you’ve sold or used causes harm.
Potential cover
Product Liability
How much does beauty salon insurance cost?
There’s no fixed price. The treatments you offer matter most, advanced or invasive treatments carry higher risk than nails or brows.
Types of treatments offered
Some treatments carry higher risk than others.
Retail products sold
Selling skincare or beauty products can affect your product liability needs.
Number of staff
More employees, including therapists, increase your employers’ liability exposure.
Level of cover
Adding a higher treatment liability limit increases your premium.
Number of treatment rooms
More rooms and equipment increase your contents cover needs.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting beauty salon insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting beauty salon insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your salon
The treatments you offer, and whether you have staff.
2
Choose your covers
Treatment liability, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Beauty salon insurance guides
Beauty salon insurance guides
Allergic reactions, self-employed therapists and retail product sales.
Allergic reactions, self-employed therapists and retail product sales.
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Beauty salon insurance FAQs
Beauty salon insurance FAQs
Straight answers on cover, treatments and cost.
Straight answers on cover, treatments and cost.
Beauty salon insurance is a combination of covers built around offering beauty treatments: public liability for injury or damage, treatment liability for claims arising from a treatment, and employers’ liability for your therapists.
Still have questions?
Our advisers are here to help you find the right solution.