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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…
Hair, Beauty & Wellbeing Insurance
Hair, Beauty & Wellbeing Insurance
Public liability, treatment and premises cover built for salons, therapists and wellbeing practitioners of every kind.
Public liability, treatment and premises cover built for salons, therapists and wellbeing practitioners of every kind.
What kind of hair, beauty or wellbeing business do you run?
Treatment liabilityProduct liabilityEquipment cover
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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How can we help?
How can we help?
I know my profession
Find insurance built around your specific type of business.
I know the cover I need
Explore common types of business cover, including treatment liability.
I’m not sure what I need
Tell us about your business and we’ll recommend the right cover.
Find insurance for your business
Find insurance for your business
Choose your business type below, or search above for something more specific.
Choose your business type below, or search above for something more specific.
Hair & Barbering
Beauty & Aesthetics
Which cover does your business need?
Which cover does your business need?
Only employers’ liability is a legal requirement. Treatment liability is the cover most salons and therapists build their policy around.
Only employers’ liability is a legal requirement. Treatment liability is the cover most salons and therapists build their policy around.
| Type of insurance | Legally required? | Who needs it? |
|---|---|---|
Yes, if you employ staff | Required once you take on any staff, even casual help | |
Not legally required | Strongly recommended if clients visit your premises | |
Treatment liability insurance | Not legally required | Covers claims that a treatment caused a client physical harm |
Not legally required | Recommended if you sell or use products during treatments | |
Professional indemnity insurance | Not legally required | Covers you if advice you gave a client causes them a financial loss |
No | Covers your salon equipment, fixtures and stock | |
Not legally required | Covers the structure itself if you own your premises outright | |
No | Helps cover lost income if an insured event stops you trading | |
No | Recommended if you hold client booking or payment data |
Top Tip
Most salons and therapists build their policy around treatment liability first, then add public liability and product liability once they know what services and products they offer.
Mobile, chair rental or your own salon?
Mobile, chair rental or your own salon?
How you work matters as much as what you offer. Mobile therapists, chair renters and salon owners each need cover built around a different arrangement.
How you work matters as much as what you offer. Mobile therapists, chair renters and salon owners each need cover built around a different arrangement.
Starting Out
Just gone self-employed? Treatment liability is the essential first cover.
Chair Rental & Mobile
Renting a chair or working mobile? Cover still needs to be your own.
Growing Salon
Taken on your first employee? Employers’ liability becomes a legal requirement.
Established Business
Managing multiple sites or staff? Talk to an adviser about combined cover.
What can affect the cost of hair, beauty and wellbeing insurance?
There’s no fixed price. It depends on the treatments you offer, staff numbers and whether you own or rent.
Types of treatments offered
Some treatments carry higher risk than others.
Level of cover
Higher treatment liability limits increase your premium.
Number of staff
More employees increase your employers’ liability exposure.
Mobile or premises-based
Working from a fixed salon can carry different risk to mobile work.
Whether you own or rent
Owning your premises adds buildings insurance to consider.
Claims history
A clean claims record helps keep premiums down at renewal.
What are you looking to protect?
What are you looking to protect?
Choose a category to explore insurance products tailored to your business needs.
Choose a category to explore insurance products tailored to your business needs.
What could help:Public Liability
Learn more
Hair, beauty and wellbeing insurance without the guesswork
We help salons, therapists and wellbeing practitioners find the right combination of cover, not just the cheapest single policy.
The right cover depends on the treatments you offer and whether you work from a salon or mobile.
Specialist treatment liability insurersAccess to 20+ UK insurersExperienced UK-based advisersCover tailored to your specific treatmentsSupport with complex or high-value coverHuman support when you claimHow the quote process works
How the quote process works
Simple steps. Expert advice on the cover your business actually needs.
Simple steps. Expert advice on the cover your business actually needs.
1
Tell us about your business
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.
Hair, beauty and wellbeing insurance guides
Hair, beauty and wellbeing insurance guides
Treatment liability, chair rental and cover that follows you between salons.
Treatment liability, chair rental and cover that follows you between salons.
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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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Public Liability or Employers’ Liability: Which Cover Fits Your Salon?
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Self-Employed or Renting a Chair? What Insurance You Need in a Beauty Salon
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Top 6 Salon Insurance Add‑Ons: Equipment & More
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Why One Small Beauty Treatment Can Lead to a Big Claim
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Hair, beauty and wellbeing insurance FAQs
Hair, beauty and wellbeing insurance FAQs
Straight answers on cover, treatments and cost.
Straight answers on cover, treatments and cost.
It’s a combination of covers built for salons, therapists and wellbeing practitioners: public liability for injury or damage, treatment liability for claims arising from a treatment, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.