Hair & Beauty Insurance

Comprehensive insurance for your hair and beauty business in an instant

Premium Hair & Beauty Insurance by the industry experts

Follow Your Passion; Protect Your Dreams

Stepping out on your own as a hairdresser or beauty therapist hasn’t been easy, but you’ve done it. You’ve devoted countless hours turning your passion into a successful freelance or mobile business and now you want to keep it protected.

At Salon Gold, we think buying insurance should be simple and stress-free, which is why we offer our clients everything they need in one package.

A comprehensive range of exclusive covers for a variety of freelance and mobile professionals in the hair, beauty, holistics, health and fitness sectors.

Peace of mind policies at a surprisingly affordable price

Comprehensive Cover For Hair & Beauty

The very nature of the hair and beauty industry means that you’ll find yourself in close contact with your clients at all times. Having the right insurance policy in place protects you against compensation claims as a result of accidents. These could be anything from a trip or fall, to a client having an adverse reaction to a product or a treatment you offer.

Generally speaking, if you’re employed and you only carry out hair and beauty treatments at your place of work, you should be covered by your employer’s insurance. However, if you want to be absolutely certain that you have cover in force, you can take out your own policy.

If you’re self-employed, or if you work for a salon but also do some freelance work, you will need to hold your own insurance policy.

Here at Salon Gold, we include Public Liability, Product Liability, and Professional Treatment Risk Liability as standard covers, up to a maximum of £5 million. Our rates are suprisingly affordable, which means that you can easily protect yourself and your business from any accidental harm caused to your clients or their property.

Use our easy online quote tool to build the insurance policy that’s just right for you. Quick, simple and you’ll be covered instantly!

*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.
from £49.80* per year

What’s included

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

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business by clicking below.

Hair & Beauty Insurance Trades & Treatments

Hair & Beauty Insurance FAQs

Why do I need hair & beauty insurance?

Working in the hair and beauty industry means you’ll naturally be working very closely, and personally, with your clients. You’re also likely to be working with chemicals as part of the treatments, including hair removal, bleach, perm, and dye. These can be dangerous if used incorrectly and, in the event that serious damage is caused, you could be held liable if your client decides to take legal action. Having insurance in place, however, means you won’t be left footing the entire bill, which could get very costly and runs the risk of putting you out of business.

Do mobile hairdressers need insurance?

Insurance is vital for mobile and freelance hairdressers. Without this insurance in place, you’ll be responsible for paying all compensation costs if a customer suffers an injury during the treatment you provide. The most important type of insurance for mobile hairdressers is public liability and treatment risk insurance. This protects you against any compensation claims that customers may file against you. For example, if a client suffers a reaction to a hair colour treatment, or you spill hair dye or bleach on their expensive clothes, they could file a lawsuit against you.

Do mobile beauty therapists need insurance?

As you’ll be working directly with clients, we would strongly recommend taking out insurance for mobile beauty therapists. In some cases, you may even be handling chemicals that could react with each other if mixed incorrectly, or bring about a negative reaction in the client. In these cases, they could file a lawsuit against you and, without the proper beauty insurance coverage, you’ll be financially responsible.

How much does hair and beauty insurance cost?

The cost of your hair and beauty insurance depends wholly on what you need your policy to cover. Insurance typically starts at less than £50 per year, which includes public liability and treatment risk insurance as standard. However, if you need additional coverage, such as insurance for completing advanced beauty treatments, this annual price will increase.

How much is insurance for a hair and beauty salon?

If you own a hair salon, the cost of your insurance will depend on what you need to cover. If you employ a team of hair stylists and beauticians in your business, then you must hold an employers liability policy, which is a legal requirement. This is an additional cover which will increase the cost of your premium. You may also want to take out policies for personal accidents, and stock and equipment, protecting you from damages caused by an accident, as well as damage or theft to your equipment. Build your personal insurance package with the help of our team today.

When will my hair and beauty insurance start?

When you take out an insurance policy with Salon Gold, you’re covered from the moment you buy. There’s no waiting around for your documents as you’ll be covered instantly.

What is included in hair and beauty insurance as standard?

A Salon Gold insurance policy for hair and beauty automatically includes public liability, product liability, professional treatment risk liability, and financial loss. This is the basic package that you will need as a hair and beauty therapist. However, if this isn’t extensive enough for your business needs, get in touch with our team to build your tailored package.

What is a freelance beauty therapist?

Rather than working in a salon, freelance beauty therapists are mobile professionals who travel to their clients to provide treatments. This can include anything from hair treatments, like cutting and dyeing, to massages, hair removal, and nail services. They also tend to work alone without any employees or a team.

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

The short answer to this is yes. While you may be partially covered under the business insurance, you won’t technically be classed as an employee, as you are renting your own space. It’s generally always best to have your own insurance in place, so you know exactly how well you’re protected financially, rather than relying on someone else’s insurance policy to cover you.

"Will qualifications affect my insurance?"

Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide

Teacher Or Student Cover

Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an extra optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!

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