Hair & Beauty Insurance for Freelance and Mobile Professionals

Hair & Beauty Insurance for Freelance and Mobile Professionals

Affordable insurance for your hair and beauty business in an instant

Premium Hair & Beauty Insurance by the industry experts

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 £44.80* per year
* 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 excludes our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.

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 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.

Go

Are you a Student?

Yes
No
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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
No
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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
No
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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
No
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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
No
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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 coverAutomaticOptional
Application of tooth jewelleryYesNo
Cutting and shaping of nails including application of acrylic coatingsYesNo
Ear piercing by gun and stud method*YesNo
Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*YesNo
Eyelash treatments including tinting, lifting, perming and applying false eyelashes*YesNo
False eyelashes, including semi-permanent eyelash extensionsYesNo
Special treatment of hair including chemical straightening conditioning treatmentsYesNo
Tinting, dyeing, bleaching or permanent waving of hairYesNo
Use of cut throat razors, hair clippers and trimmersYesNo
Use of electrical equipment such as tongs, curlers or straightenersYesNo
Washing, styling, cutting, application of hair extensions and drying of hairYesNo
* Additional terms apply. Full details available during the quote process.

Barber

Descriptions of coverAutomaticOptional
Use of cut throat razors, hair clippers and trimmersYesNo
Washing, styling, cutting and drying of hairYesNo

Beauty Therapist

  • A
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  • F
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  • I
  • K
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  • M
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  • P
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  • W
Descriptions of coverAutomaticOptional
Acid Peels*YesNo
AcupressureYesNo
Advanced electrolysis*NoYes
Advanced waxingYesNo
Airbrush tanningYesNo
Application of false tanning productsYesNo
Aqua detoxYesNo
AromatherapyYesNo
Ayurvedic massageYesNo
Baby massage*YesNo
Bamboo massageYesNo
Bikini hair colouring*YesNo
Bleaching of superfluous hairYesNo
Body wrapsYesNo
Bowen techniqueYesNo
Chinese foot massage*YesNo
Craniosacral therapyYesNo
Crystal healingYesNo
Dermalogica bio surface peel*NoYes
Dermalogica pro power peel*NoYes
Dermaplaning*NoYes
Detox foot spaYesNo
Ear piercing by gun and stud method*YesNo
Electrolysis (epilation)*YesNo
Endermologie*YesNo
Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*YesNo
Eyelash treatments including tinting, lifting, perming and applying false eyelashes*YesNo
Facials including ionisation and steam treatmentsYesNo
Faradic treatments*YesNo
Foot massage*YesNo
Galvanic treatments*YesNo
Henna body art*YesNo
Hopi ear candlesYesNo
Hot stone therapyYesNo
Indian head massageYesNo
Infra-red treatmentsYesNo
KinesiologyYesNo
Laser hair removal & IPL*NoYes
Lava shell massageYesNo
Lomilomi massageYesNo
Make up including day, evening, media, stage, fashion and camouflageYesNo
ManicureYesNo
Manual lymphatic drainageYesNo
MassageYesNo
Microblading*NoYes
Microcurrent*YesNo
Microdermabrasion*NoYes
Microneedling*NoYes
Micropigmentation*NoYes
Million dollar facial*NoYes
Myofascial ReleaseYesNo
Nail cutting, shaping, varnishing, nail art, nail extensions, coatings cured using a UV or LED lamp*YesNo
Non-surgical facelift*YesNo
Oxygen treatmentsYesNo
Paraffin waxYesNo
PedicureYesNo
Pejazzle*YesNo
Power plates*YesNo
Pregnancy massage*YesNo
Radio frequency & cavitation*NoYes
ReflexologyYesNo
ReikiYesNo
Self-tanningYesNo
Semi-permanent eyelash extensionsYesNo
Sports massage*YesNo
Spray tanningYesNo
Su-do body art*YesNo
SugaringYesNo
Thai foot massage*YesNo
ThreadingYesNo
Toning tables*YesNo
Tooth JewelleryYesNo
Ultrasound*YesNo
Vacuum suction*YesNo
Vajazzle*YesNo
Vibro plates*YesNo
Warm bamboo massageYesNo
WaxingYesNo
* Additional terms apply. Full details available during the quote process.

Nail Technician

Descriptions of coverAutomaticOptional
Application of nail artYesNo
Application of nail extensions and nail coatings including varnishes and coatings cured using a UV or LED lamp*YesNo
Cutting and shaping of nailsYesNo
Manicures and pedicures including paraffin waxYesNo
* Additional terms apply. Full details available during the quote process.

Makeup Artist

Descriptions of coverAutomaticOptional
Camouflage makeupYesNo
Day makeupYesNo
Evening makeupYesNo
Fashion makeupYesNo
Media makeupYesNo
Stage makeupYesNo

Trichologist

Descriptions of coverAutomaticOptional
Analysis of scalp and or hair disorders and the non-medical treatment of those maladiesYesNo
The blending/mixing of proprietary brands onlyYesNo
The use of ultra violet, infra red or high frequency to assist in the treatmentYesNo

Face Painting

Descriptions of coverAutomaticOptional
Face painting*YesNo
Glitter tattoos*YesNo
Hair braiding*YesNo
Henna body art*YesNo
Nail cutting, shaping, varnishing, nail art, nail extensions and coatings cured using a UV or LED lamp*YesNo
* Additional terms apply. Full details available during the quote process.

Student

Descriptions of coverAutomaticOptional
Case study workYesNo

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

Superstars

Cally Borg Hairdressing Expert & Home Salon Owner / Mentor Submit your question

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    Hair & Beauty Insurance FAQs

    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 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 date you select when 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.

    “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 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!

    Hair & Beauty Insurance for Freelance and Mobile Professionals Related Articles

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