Salon Insurance

Specialist Insurance for Hair, Beauty and Wellness Salons

Running a salon involves more than just delivering exceptional treatments. It requires careful risk management to protect against unforeseen incidents, legal claims, and interruptions that could affect your ability to trade. Whether you operate a hair salon, beauty clinic, nail bar, or spa, arranging the right salon insurance could help safeguard your business, staff, and reputation.

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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.

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Why Choose Us for Salon Insurance?

Access to a wide range of specialist hair and beauty insurers

Tailored cover based on your activities and treatments

Flexible protection that can grow with your business

Dedicated customer service and claims assistance

Specialist knowledge for niche or higher-risk cover

Affordable monthly payments

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OR CALL 0330 054 0545

What Is Salon Insurance?

Salon insurance refers to a tailored package of business insurance products designed to address the specific risks faced by salons and beauty professionals. Policies can be customised to reflect the services provided, whether you specialise in hairstyling, aesthetics, nail treatments, or holistic therapy.

Who May Need Salon Insurance?

Salon insurance can be suitable for a wide range of businesses and professionals within the beauty and wellness sector, including:

Hair salons and barbershops
Beauty salons and spas
Mobile beauticians and freelance hairdressers
Aesthetic clinics and laser therapists
Massage therapists and holistic treatment providers
Nail bars and brow/lash specialists

Regardless of whether you operate from a high-street premises, work from home, or visit clients on location, tailored insurance can support both operational continuity and customer trust.

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What Can Salon Insurance Cover?

Public Liability Insurance

May provide cover if a client or member of the public is injured on your premises or their property is damaged as a result of your business activity. For example, slips, allergic reactions, or damage caused by hair dyes.

Employers’ Liability Insurance

Required by law for most businesses that employ staff, including part-time or temporary workers. It could cover claims made by employees for illness or injury arising in the workplace.

Treatment Liability Insurance

Specialist cover designed for salons that offer services such as facials, waxing, tinting, and laser treatments. It may provide protection if a client suffers an unexpected reaction or injury as a result of a treatment.

Stock and Equipment Cover

Salons often rely on expensive electrical tools and stock. This cover could help pay for repairs or replacement following accidental damage, theft, or fire.

Business Interruption Insurance

May provide compensation for lost income if you are forced to close temporarily due to an insured event such as flood, fire, or vandalism.

Contents and Fixtures Cover

Could protect non-moveable salon fittings such as mirrors, treatment beds, and wash basins as well as general contents within the premises.

FAQs

Salon businesses work closely with the public, perform technical services, and handle specialist products. Without insurance, you could be personally liable for claims that arise from day-to-day activities.

Common reasons salon owners seek insurance include:

To help meet legal obligations (e.g. employers’ liability)
To protect against treatment-related risks
To support business continuity following a disruption
To gain access to venues, trade shows or industry accreditations that require proof of insurance
To increase trust and confidence among clients and staff

The cost of salon insurance could vary depending on multiple factors, including:

Type of salon and services offered
Number of employees
Value of tools, stock and contents
Turnover and location
Claims history and business tenure
Level of cover selected

As a broker, we work with a wide panel of UK insurers to help compare tailored policies and identify a package suited to your budget and risk profile.