Hair & Beauty Insurance | Helping Businesses For Over 35 years

Premium Hair & Beauty Insurance by the industry experts

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Working in the hair and beauty industry is so much more than just cutting and styling a client’s hair, or waxing and offering relaxing facials. You offer an experience that makes customers feel good about the skin they’re in.

For many of your clients, these treatments are a time to be pampered or undertake a significant change to their appearance. However, there’s no guarantee that these will always go to plan, and as a freelance or mobile hair and beauty professional, you’re exposed to a number of risks. For instance, you may accidentally burn a client’s scalp during the bleaching process or cause skin burns through use of hot wax.

You’ve devoted many hours to getting your business up and running, and must keep it protected, which is why you need a comprehensive insurance policy. At Salon Gold, we think securing an insurance policy should be simple and stress-free, and that’s exactly why we offer everything our clients might need in one comprehensive package.

What’s included…

from £49.80* per year

£3m Public, Products and Professional Treatment Risk Liability Cover (up to £5m available)
£10k Financial Loss Cover
Insurance Premium Tax
Our Admin Charge

* This price is for a £3m public, products and professional treatment risk liability cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.

Covers Treatments

Instant Comprehensive Cover for Hair & Beauty Businesses

At Salon Gold, our comprehensive packages keep all hair and beauty professionals covered, no matter what happens. As standard, we provide public liability, product liability, treatment risk and financial loss cover which are vital components of any policy within the hair and beauty industry.

Public liability insurance is a must, for example, as you’ll be in close contact with your customers at all times, whether this is in their home or your own treatment space. This cover protects you should an accident occur as a result of your work activities that causes damage to the client or their property, which you will be liable for. Product liability insurance keeps you covered in the event that a product you make or supply causes personal injury to a client, while treatment risk cover is essential to protect you if a treatment goes wrong. We can also add optional covers to your policy for extra protection, including financial loss, legal expenses and personal accident.

At Salon Gold, our exclusive packages are unique to each client, tailoring the policy to suit its specific business needs. Working as a freelance or mobile professional means you’re self-employed and as such, responsible for arranging your own insurance. We’ll manage the insurance part for you, so you can continue doing what you do best — giving customers the best possible treatments they deserve.

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business.

Are you a Student?

Yes

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Based on the information provided we would suggest our Student policy.

Get a quote

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Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?

Yes

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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

Get a quote

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Are you employed by a salon or business owner?

Yes

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Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.

Get a quote

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Do you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?

Yes

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote

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Do customers visit you at home for their therapy or treatment?

Yes

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

Get a quote

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote

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Hair & Beauty Insurance for Freelance and Mobile Professionals Treatments

We provide cover for a wide range of treatments in the hair & beauty industry. You will be covered in the event that a treatment you provide causes injury, damage or illness. For example injury caused by a wax burn or a reaction to a hair colour treatment.

You will automatically be covered for all treatments listed under the relevant trade category below providing you hold a suitable qualification for any treatments carried out.

Hairdresser

Descriptions of cover	Automatic	Optional
Application of tooth jewellery	Yes	No
Cutting and shaping of nails including application of acrylic coatings	Yes	No
Ear piercing by gun and stud method*	Yes	No
Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*	Yes	No
Eyelash treatments including tinting, lifting, perming and applying false eyelashes*	Yes	No
False eyelashes, including semi-permanent eyelash extensions	Yes	No
Special treatment of hair including chemical straightening conditioning treatments	Yes	No
Tinting, dyeing, bleaching or permanent waving of hair	Yes	No
Use of cut throat razors, hair clippers and trimmers	Yes	No
Use of electrical equipment such as tongs, curlers or straighteners	Yes	No
Washing, styling, cutting, application of hair extensions and drying of hair	Yes	No

* Additional terms apply. Full details available during the quote process.

Barber

Descriptions of cover	Automatic	Optional
Use of cut throat razors, hair clippers and trimmers	Yes	No
Washing, styling, cutting and drying of hair	Yes	No

Beauty Therapist

Descriptions of cover	Automatic	Optional
Acid Peels*	Yes	No
Acupressure	Yes	No
Advanced electrolysis*	No	Yes
Advanced waxing	Yes	No
Airbrush tanning	Yes	No
Application of false tanning products	Yes	No
Aqua detox	Yes	No
Aromatherapy	Yes	No
Ayurvedic massage	Yes	No
Baby massage*	Yes	No
Bamboo massage	Yes	No
Bikini hair colouring*	Yes	No
Bleaching of superfluous hair	Yes	No
Body wraps	Yes	No
Bowen technique	Yes	No
Chinese foot massage*	Yes	No
Craniosacral therapy	Yes	No
Crystal healing	Yes	No
Dermalogica bio surface peel*	No	Yes
Dermalogica pro power peel*	No	Yes
Dermaplaning*	No	Yes
Detox foot spa	Yes	No
Ear piercing by gun and stud method*	Yes	No
Electrolysis (epilation)*	Yes	No
Endermologie*	Yes	No
Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*	Yes	No
Eyelash treatments including tinting, lifting, perming and applying false eyelashes*	Yes	No
Facials including ionisation and steam treatments	Yes	No
Faradic treatments*	Yes	No
Foot massage*	Yes	No
Galvanic treatments*	Yes	No
Henna body art*	Yes	No
Hopi ear candles	Yes	No
Hot stone therapy	Yes	No
Indian head massage	Yes	No
Infra-red treatments	Yes	No
Kinesiology	Yes	No
Laser hair removal & IPL*	No	Yes
Lava shell massage	Yes	No
Lomilomi massage	Yes	No
Make up including day, evening, media, stage, fashion and camouflage	Yes	No
Manicure	Yes	No
Manual lymphatic drainage	Yes	No
Massage	Yes	No
Microblading*	No	Yes
Microcurrent*	Yes	No
Microdermabrasion*	No	Yes
Microneedling*	No	Yes
Micropigmentation*	No	Yes
Million dollar facial*	No	Yes
Myofascial Release	Yes	No
Nail cutting, shaping, varnishing, nail art, nail extensions, coatings cured using a UV or LED lamp*	Yes	No
Non-surgical facelift*	Yes	No
Oxygen treatments	Yes	No
Paraffin wax	Yes	No
Pedicure	Yes	No
Pejazzle*	Yes	No
Power plates*	Yes	No
Pregnancy massage*	Yes	No
Radio frequency & cavitation*	No	Yes
Reflexology	Yes	No
Reiki	Yes	No
Self-tanning	Yes	No
Semi-permanent eyelash extensions	Yes	No
Sports massage*	Yes	No
Spray tanning	Yes	No
Su-do body art*	Yes	No
Sugaring	Yes	No
Thai foot massage*	Yes	No
Threading	Yes	No
Toning tables*	Yes	No
Tooth Jewellery	Yes	No
Ultrasound*	Yes	No
Vacuum suction*	Yes	No
Vajazzle*	Yes	No
Vibro plates*	Yes	No
Warm bamboo massage	Yes	No
Waxing	Yes	No

* Additional terms apply. Full details available during the quote process.

Nail Technician

Descriptions of cover	Automatic	Optional
Application of nail art	Yes	No
Application of nail extensions and nail coatings including varnishes and coatings cured using a UV or LED lamp*	Yes	No
Cutting and shaping of nails	Yes	No
Manicures and pedicures including paraffin wax	Yes	No

* Additional terms apply. Full details available during the quote process.

Makeup Artist

Descriptions of cover	Automatic	Optional
Camouflage makeup	Yes	No
Day makeup	Yes	No
Evening makeup	Yes	No
Fashion makeup	Yes	No
Media makeup	Yes	No
Stage makeup	Yes	No

Trichologist

Descriptions of cover	Automatic	Optional
Analysis of scalp and or hair disorders and the non-medical treatment of those maladies	Yes	No
The blending/mixing of proprietary brands only	Yes	No
The use of ultra violet, infra red or high frequency to assist in the treatment	Yes	No

Face Painting

Descriptions of cover	Automatic	Optional
Face painting*	Yes	No
Glitter tattoos*	Yes	No
Hair braiding*	Yes	No
Henna body art*	Yes	No
Nail cutting, shaping, varnishing, nail art, nail extensions and coatings cured using a UV or LED lamp*	Yes	No

* Additional terms apply. Full details available during the quote process.

Student

Descriptions of cover	Automatic	Optional
Case study work	Yes	No

Our Hair & Beauty Cover

For Mobile & Freelance

If you work mobile or freelance in the hair & beauty sector, our specialist policies provide all the cover you need at some of the best prices around.

Freelance covers

Our Hair & Beauty treatments

The Salon Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.

Treatment page

Do you own or lease a salon? Check out our salon insurance package.

Salon

Our salon insurance packages provide some of the widest covers around.

Salon covers

Hair & Beauty Insurance FAQs

020 8655 0444
info@salongold.co.uk

Why do I need hair & beauty insurance?

It doesn’t matter whether you dye a client’s hair or offer waxing treatments — these all have the potential to go wrong and may result in facial or bodily damage. This could cause a customer to make a claim against you that will potentially set you back significantly due to the compensation and legal fees.

What’s more, your role involves working with chemicals, including hair removal, bleaching and dye products. If used incorrectly, serious damage may occur. Having a Salon Gold insurance package in place means you won’t be the one footing the bill and your business will be protected if something goes wrong.

Do mobile hairdressers need insurance?

While it’s not a legal requirement to have insurance, if your work activities cause any damage that leads to a compensation claim, you’ll have to pay out of your own pocket. Unfortunately, this could have severe financial ramifications for your business.

The most important types of cover for mobile hairdressers are public liability insurance and treatment risk insurance. These cover any legal claims made against you by customers, who may take action if they suffer an allergic reaction to a hair colour product or if bleach is spilled on their clothing, for instance.

How much does hair and beauty insurance cost?

The cost of your hair and beauty insurance mobile policy depends on a variety of factors, including the types of treatment you offer, how much cover you require, the number of clients you have and your qualifications. Certain treatments are riskier than others, so this will be taken into consideration.

Typically, Salon Gold policies start at less than £50 per year — this provides public liability and treatment risk cover as standard. However, if you need additional coverage, such as insurance for specific, technical services, the annual price of your premium will increase.

When will my hair and beauty insurance start?

Your business is protected from the moment you take out an insurance policy with Salon Gold. There’s no waiting around to receive documents as you’ll be covered instantly.

What is included in hair and beauty insurance as standard?

A Salon Gold insurance package for hair and beauty professionals includes public liability, product liability, treatment risk and financial loss as standard cover. This is the basic policy that you’ll need in the industry. However, if this isn’t extensive enough to cover your business needs, contact us today to start building your own insurance policy.

Do I need insurance if I’m renting a salon space?

You may be partially covered by the business’s own insurance, but as you won’t be classed an employee, it’s generally best to have your own policy in place to ensure all bases are covered. This will provide peace of mind as you won’t have to rely on someone else’s insurance.