Running a beauty salon comes with responsibilities – not just ...
Salon Insurance
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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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
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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.
- Hair salons and blow dry bars
- Beauty and aesthetics clinics
- Mobile therapists and freelancers
- Boutique spas and wellness centres
- Tattoo and piercing studios
- Tanning salons and nail lounges
Whether you’re an established high-street brand or a newly launched home-based beautician, insurance can help provide essential protection.