Beauty Salon Insurance | Beauty Salon Insurance Quote

We're here to help

Beauty Salon

Independent service from your local insurance specialists

Need a Beauty Salon Insurance quote? Let the independent specialists at Coversure compare their markets to find you great salon insurance protection. From beauticians and nail technicians to salon owners' insurance, your local Coversure office can offer you tailor-made protection, so start your quote today.

Beauty Salon

Service comes first at Coversure, and as the following feefo testimonials show, we’re the team you can trust with your business

Average Customer Rating:

Independent service rating based on 1156 reviews

What is Beauty Salon Insurance?

Beauty salon insurance is a flexible policy that protects beauticians, makeup artists, beauty therapists, and other salon professionals from the risks they face each day. A beauty salon policy through Coversure can offer you essential protections, including:
  • Public liability insurance of up to £2m
  • Employers’ liability of up to £10m
  • Treatment liability of up to £500,000
  • Money of up to £3,000
  • Buildings
  • Fixtures and fittings
  • Legal cover of up to £100,000

Who Needs Beauty Salon Insurance?

Thanks to our close relationships with providers , your local Coversure can protect a wide range of beauty professionals, including:

  • Beauticians
  • Beauty salons
  • Makeup artists
  • Beauty therapists
  • Freelance and mobile beauticians
  • Hair and beauty consultants
  • Hair and beauty salons
  • Manicurists and pedicurists
  • Nail technicians

If you’d like some advice on getting the right cover for you, please get in touch with your local Coversure office. They’ll be happy to give you the help you need to keep you and your salon safe.

What can Beauty Salon Insurance cover?

Beauty salon insurance offers a package of protection that allows you to cover multiple risks on a single policy*. It can be tailored to your needs and typically covers risks such as:

Glass Cover

Replacement service for broken windows and any interior or exterior glass such as mirrors, display cases, and sinks

Goods in Transit

If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place.  This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road

Personal Accident

This will protect you should someone be involved in an accident at work.  It will pay out in the event of death, bodily injury, or disablement.  The compensation provided can pay for temporary staff or cover the overtime cost for other team members

Business Interruption

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Commercial buildings cover

Do you own the building in which your business operates?  If so, you’ll need commercial buildings insurance to protect your bricks and mortar. Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or explosion.

Stock Cover

If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be

Treatment Risk

Safeguards you against any claims should a treatment cause injury or material damage to a client. Treatment risk insurance is an extension of your public liability cover and protects you and your business against claims. As a beauty professional, treatments are likely to be a routine part of your day, so having cover in place is a wise move

Product liability

Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

Employers’ liability

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

How much does Beauty Salon Insurance cost?

There’s no one-size-fits-all answer to this question, and your local Coversure office will create a package of protection designed around your business. Your premium will depend on factors, including:

  • The size of your business
  • The type of work it does and the treatments you offer
  • If you have any employees
  • The value of your stock
  • Where it is
  • The level of security
  • Your claims history

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Beauty Salon cover for you.

Beauty Salon Insurance FAQ

Beauty salon insurance can be a complex area of cover, so to help you get the protection you need, here is Coversure’s salon insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure.

Salon owners, nail technicians, freelance makeup artists, and stylists can all benefit from salon insurance

No, but if you have employees, you will need Employers’ Liability insurance

That will depend on several factors.  These include where your business is and its size, your services, treatments, if you have employees, and your claims history.

A typical policy will cover the following:

  • Manicures
  • Pedicures
  • Eyelash tinting
  • Eyebrow shaping and threading
  • Facial massages
  • Skin cleansing
  • Waxing
  • Ear piercing

Getting a quote is easy; speak to your local Coversure office or start your salon insurance quote here.

Yes, you would be wise to have it. Having members of the public into your home salon means you run the same risks of being sued if someone is injured, and you still have to consider things like stock and fixtures and fittings. Also, your home insurance may not cover you or even be invalidated if you run a business from home.

Yes.  It can cover these items against loss or theft.  It can also protect expensive office items such as computers.

Yes, you can take out business insurance before starting trading, even if your business isn’t VAT registered or a limited company.

Need a Beauty Salon Insurance quote?

If you’d like a Beauty Salon Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Commercial Combined

Hair Salon

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

We're here to help