Hair & Beauty Insurance

Professionals in the hair and beauty industry work in close contact with clients every day, offering treatments that come with risks, from allergic reactions and burns to accidental injuries and equipment damage. Whether you operate from a salon, mobile setup, or from home, having the right hair and beauty insurance is essential to protect your business, your clients, and your reputation.

We offer tailored insurance solutions for hairdressers, beauty therapists, salon owners, and freelancers across the UK. Our policies are designed to meet the specific needs of your treatments, location, and working style.

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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

Hairdressers

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Barbers

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Beauty Therapists

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Make-Up Artists (MUA's)

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Nail Technicians

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Aesthetic practitioners (non-surgical)

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Insurance Revolution's Reviews

What Is Hair & Beauty Insurance?

Hair and beauty insurance is a type of specialist business insurance created for professionals offering aesthetic, cosmetic, and hair services. It protects against client claims, treatment risks, accidental damage, and loss of income caused by insured events.

Why Is Hair and Beauty Insurance Important?

Your treatments may seem low risk, but even minor incidents can lead to major costs. A client experiencing an allergic reaction, tripping over a cable, or having personal property damaged during a treatment could result in legal claims, compensation, or reputational harm.

Hair and beauty insurance provides financial protection and peace of mind by covering:

Claims from clients for injury or dissatisfaction with treatment
Accidental damage to equipment or premises
Theft or loss of stock, kits or tools
Business interruption due to fire, flood or other events
Legal expenses from disputes or claims

It’s often a requirement for renting salon chairs, securing commercial premises, or joining professional associations.

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How Much Does Hair & Beauty Insurance Cost?

Premiums vary depending on:

The services you offer
Whether you work from a salon, home, or mobile
Number of staff employed (if any)
Value of equipment and stock
Whether you sell products or not
Claims history and level of cover selected

We provide flexible cover with monthly payment options and competitive quotes from specialist UK insurers.

Common Risks in the Hair and Beauty Industry

Client allergic reaction to tint, glue or skincare products
Accidental burns during waxing or hot tool styling
Slips, trips or falls on salon floors
Theft of mobile kits or salon break-ins
Equipment breakdown affecting trading
Social media or reputational disputes
Legal action following negative treatment outcomes
Our policies are designed to protect your business from these scenarios and more.

Why Choose Insurance Revolution

We specialise in salon and beauty insurance

Immediate proof of cover for salons and landlords

Access to 20+ leading UK insurers

Tailored cover for over 100 treatment types

UK-based team to support you when you need us most

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Treatment Risk Cover

Specifically covers claims resulting from treatments going wrong, such as burns, allergic reactions, skin damage, or unsatisfactory outcomes. This is essential for anyone offering cosmetic services.

Public Liability Insurance

Covers injury or property damage caused to members of the public, whether a client slips on a wet floor or a product is spilt on personal belongings.

Product Liability Insurance

Protects against claims arising from products you use or sell as part of your service (e.g. shampoo, dye, lotions, aftercare kits).

Employers’ Liability Insurance

Often a legal requirement if you have staff. Covers injury or illness claims made by employees, apprentices, or trainees.

Contents and Equipment Insurance

Protects chairs, mirrors, styling kits, specialist equipment, and salon furnishings against accidental damage, theft or vandalism.

Stock Insurance

Covers beauty products, hair care items, and retail stock kept in your premises or vehicle.

Business Interruption Insurance

Covers loss of income and overheads if you’re forced to temporarily close due to fire, flood, theft or other insured events.

FAQs

Beauty therapists need public liability insurance, treatment risk cover, and professional indemnity insurance. These protect against client claims, accidents during treatments, and legal expenses if you’re sued for professional negligence.

Absolutely. We provide specialist policies for mobile therapists, including cover for treatments, tools in transit, and public liability.

Most salons require you to hold your own public liability and treatment cover before working on their premises.

Yes, but you must disclose all treatments offered and ensure you hold the appropriate qualifications. High-risk treatments may affect premium levels.

If a client has an allergic reaction after a treatment, treatment and public liability insurance can cover the claim, covering legal fees and compensation payouts. Always carry out patch tests and keep clear records to strengthen your defence.

START YOUR QUOTE CALL US

OR CALL 0330 054 0545

START YOUR QUOTE OR CALL 0330 054 0545