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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 TherapistInsurance
Beauty Therapist Insurance
Treatment liability cover built for beauty therapists, whether you work mobile, rent a chair, or freelance across multiple salons.
Treatment liability cover built for beauty therapists, whether you work mobile, rent a chair, or freelance across multiple salons.
Reactions & burnsWork in clients’ homesPortable kit
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is beauty therapist insurance?
Beauty therapist insurance is a combination of covers built around carrying out treatments, treatment liability for claims that a treatment caused a client physical harm, public liability for injury or damage, and employers’ liability if you have staff.
If you rent a chair or work mobile, you need your own cover, a salon’s policy doesn’t automatically extend to self-employed therapists working from their premises.
The right beauty therapist cover depends on:
Types of treatments offeredMobile, chair rental or fixed premisesWhether you use products or equipmentLevel of treatment liability coverAnnual turnoverWhether you use subcontractors
Is this cover right for your work?
Is this cover right for your work?
This cover suits any business carrying out beauty treatments.
This cover suits any business carrying out beauty treatments.
Mobile Beauty Therapists
Travelling to clients’ homes.
Chair Rental Therapists
Renting space within someone else’s salon.
Freelance Therapists
Working across multiple salons or clients.
Aesthetics Practitioners
Offering advanced skin treatments.
Nail Technicians Within a Salon
Combining beauty and nail services.
Home-Based Therapists
Treating clients from a home studio.
What could go wrong for a beauty therapist?
What could go wrong for a beauty therapist?
Most beauty therapist claims come from an allergic reaction to a product, a burn or skin damage, damage in a client’s home, or an infection from unsterilised tools.
Most beauty therapist claims come from an allergic reaction to a product, a burn or skin damage, damage in a client’s home, or an infection from unsterilised tools.
How could a claim affect your business?
How could a claim affect your business?
A single treatment claim can outweigh months of income for a freelance therapist.
A single treatment claim can outweigh months of income for a freelance therapist.
Allergic Reaction
A client reacts badly to a treatment.
What cover may respond?
Treatment Liability
Property Damage
A mobile treatment damages a client’s home.
What cover may respond?
Public Liability
Equipment Theft
Portable treatment equipment is stolen.
What cover may respond?
Business Equipment
Staff Injury
An employee is injured at work.
What cover may respond?
Employers’ Liability
Who needs beauty therapist insurance?
Beauty therapist insurance may be suitable if you carry out treatments, whatever your working arrangement.
This cover may be suitable if you’re:
Working mobile, visiting clients’ homesRenting a chair in a salonFreelancing across multiple salonsWorking with a mix of long and short-term clientsUsing assistants or subcontractorsEmploying therapy staffCover built around your work
Cover built around your work
Most beauty therapists combine treatment liability with public liability, plus equipment cover for portable kit and employers’ liability if they have staff.
Most beauty therapists combine treatment liability with public liability, plus equipment cover for portable kit and employers’ liability if they have staff.
Treatment Liability
Protection if a treatment causes a client physical harm.
Public Liability
Protects against costs if a client or visitor is injured, or you damage their property.
Business Interruption
Potential protection for lost income if an insured event stops you working.
Business Equipment
Cover for eligible treatment equipment and tools.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for contract and client disputes.
How much does beauty therapist insurance cost?
There’s no fixed price. Whether you work mobile, rent a chair or treat from home affects your premium as much as the treatments themselves.
Types of treatments offered
Some treatments carry higher risk than others.
Mobile or salon-based
Working in clients’ homes can affect your public liability needs.
Level of treatment liability
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get beauty therapist insurance
How to get beauty therapist insurance
Getting beauty therapist insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting beauty therapist insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The treatments you offer, and how you work.
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 therapist insurance guides
Beauty therapist insurance guides
Practical advice on cover, mobile work and staying protected.
Practical advice on cover, mobile work and staying protected.
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Do You Need Insurance If You’re a Self-Employed Beauty Therapist?
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Mobile Beauty Therapist Insurance: From Treatment Risks to Public Liability
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Beauty therapist insurance FAQs
Beauty therapist insurance FAQs
Straight answers on cover, mobile work and cost.
Straight answers on cover, mobile work and cost.
Beauty therapist insurance is a combination of covers built around carrying out treatments: treatment liability for claims that a treatment caused a client physical harm, public liability for injury or damage, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.