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 s 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.
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.*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.
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
Our Hair & Beauty Covers
For Salons & Fixed Premises
- Business interruption »
- Contents cover »
- Employer’s liability »
- Exhibition Cover »
- Failure of electric, gas & water supply »
- Failure of telephone line »
- Glass cover »
- Goods in Transit »
- Legal expenses cover »
- Money cover »
- Personal accident for hands »
- Products liability »
- Professional Treatment Risk »
- Public liability »
- Stock cover »
- 24 hour crisis & legal helplines »
Hair & Beauty Insurance FAQs
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, 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.
"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!