Home » Insurance Covers

Business Insurance Covers

We provide specialist cover for all business models, from salon owners to mobile freelancers

Excellent 4.8 out of 5

Insurance for salon owners and freelance professionals

Whether you run a hair salon or operate a mobile microblading company, securing the right insurance should always be a top priority. As a business owner, you have enough on your plate without the added worry about dealing with potential claims, and a comprehensive policy is exactly what you need to eliminate stress in times of trouble. Here at Salon Gold, all of our packages are specifically designed to meet the needs of those working in the hair, beauty, health, fitness, and holistic industries. We offer insurance for salons as well as mobile and freelance businesses.

Rather than leaving you to pick and choose individual covers, we automatically provide you with a selection of different insurance types as standard. These combinations depend on your particular business model and ensure you have all the protection you could possibly need. If you want your policy to go further, you can add as many optional covers as you like.

Get a Quote

Why choose Salon Gold Business Insurance Covers?

Financial Strength

Insurance provided by a Standard & Poor’s A (Strong) rated insurer.

Experience

We’ve been working with businesses like yours for over 40 years.

Passion

Tailor-made insurance policies, made for specialists, by specialists.

Where do you work?

Click the relevant icon below to learn more about what cover we can provide for your business.

Salons

Mobile & Freelance

Salon Automatic Covers

Our standard Salon Insurance package is the most comprehensive you’ll find – whether you run a salon or fixed premises.Can’t find the right cover? Contact Us

Salon Optional Covers

Sometimes you’ll need that extra protection for your salon or fixed premise.

Freelance Automatic Covers

Our standard comprehensive Freelance & Mobile Insurance cover packages are specifically designed for businesses on the go. Can’t find the right cover? Contact Us

* Please note that your mobile and freelance policy will include either treatment risk or malpractice cover, whichever is the most appropriate for your profession.

Freelance Optional Covers

Every business is different, so make sure you have cover where you need it.

Treatments Covered

Treatments

We provide cover for a wide range of treatments in the hair, beauty, holistic, fitness and counselling industries. 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, a reaction to a hair colour treatment or an injury sustained during an exercise class.

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.

Salon Treatments

Hair Salon

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.

Beauty Salon

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
Gym equipment*	No	Yes
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
Jacuzzi*	No	Yes
Kinesiology	Yes	No
LED Face Masks*	No	Yes
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
Micro current*	Yes	No
Microblading*	No	Yes
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
Nose Piercing*	No	Yes
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
Sauna*	No	Yes
Self-tanning	Yes	No
Semi-permanent eyelash extensions	Yes	No
Sports massage*	Yes	No
Spray tanning	Yes	No
Steam Bath/Room*	No	Yes
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.

Barber Shop

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

Nail Salon

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.

Tanning Salon

Descriptions of cover	Automatic	Optional
Solaria & Sun Beds in connection with the provision of ultra-violet or infra-red treatment facilities*	Yes	No

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

Freelance & Mobile Treatments

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

Holistic Therapist

Descriptions of cover	Automatic	Optional
Abe healing	Yes	No
Access Consciousness	Yes	No
Acupressure	Yes	No
Acupuncture*	No	Yes
Addiction Therapy/Counselling*	Yes	No
Advanced Sound-Wave Energy	Yes	No
Alexander Technique	Yes	No
Allergy Therapy/Testing	Yes	No
Angel Card Reading	Yes	No
Angel Therapy/Healing	Yes	No
Angelic reiki	Yes	No
Anti Cellulite Massage	Yes	No
Aqua Detox	Yes	No
Aromatherapy	Yes	No
Art Therapy*	Yes	No
Art Tutor	Yes	No
Astrology	Yes	No
Audio Sonic	Yes	No
Aura Imaging Photography	Yes	No
Aura-Soma Colour System	Yes	No
Auricular Acupuncture*	No	Yes
Aurora Therapies	Yes	No
Ayurveda	Yes	No
Ayurvedic Massage	Yes	No
Baby Massage Instructor*	Yes	No
Baby Reflex	Yes	No
Baby Yoga	Yes	No
Bach and Australian Bush Flower Remedies	Yes	No
Balinese Massage	Yes	No
Bamboo Massage	Yes	No
Be Set Free Fast™ (BSFF)	Yes	No
Behavioural Therapy	Yes	No
Belvaspata Healing	Yes	No
Bio-Energy Therapy	Yes	No
Bio-Magnetic Technique	Yes	No
Bio-Resonance*	Yes	No
Biofeedback	Yes	No
Bioptron Light Therapy	Yes	No
Biorhythms	Yes	No
Body Alignment Technique	Yes	No
Body Analysis*	Yes	No
Body Code	Yes	No
Body Conditioning / Swiss Ball	Yes	No
Body Stress Release	Yes	No
BodyTalk System	Yes	No
Breastfeeding counsellor*	Yes	No
Breath Therapy	Yes	No
Brennan Healing Science	Yes	No
Breuss Spinal Massage	Yes	No
Business Coach	Yes	No
Buteyko Breathing Method	Yes	No
Camouflage Make Up	Yes	No
Career Coaching	Yes	No
Chakra Balancing	Yes	No
Channelling	Yes	No
Chavutti Thirumal Massage	Yes	No
Chi Kung / Qi Gong	Yes	No
Child, Adolescent and Family Therapy*	Yes	No
Cognitive Behavioural Therapy*	Yes	No
Colonic Hydrotherapy*	No	Yes
Colour Breathing	Yes	No
Colour Reflexology	Yes	No
Colour Therapy	Yes	No
Colour and Image Consultancy	Yes	No
Conciliation / Mediation	Yes	No
Craniosacral Therapy	Yes	No
Creative Journaling	Yes	No
Crystal Singing Bowl	Yes	No
Crystal healing/therapy	Yes	No
Culture Change Training	Yes	No
Cupping*	No	Yes
Dance Movement Therapy*	Yes	No
Dance Teacher*	Yes	No
Daoyin Tao	Yes	No
Deeksha Healing / Oneness Blessing	Yes	No
Deep Tissue Massage*	Yes	No
Dorm Method	Yes	No
Dowsing for Stress Relief	Yes	No
Drama & Movement Therapy	Yes	No
Dramatherapy	Yes	No
Dream Analysis	Yes	No
Ear Candling	Yes	No
Egyptian Sekhem Reiki	Yes	No
Electro Crystal Therapy	Yes	No
Emmett Technique	Yes	No
EmoTrance	Yes	No
Emotion Code	Yes	No
Emotional Freedom Techniques (EFT)	Yes	No
Energy Healing	Yes	No
Energy Technique (The Balance Procedure)	Yes	No
Face Reading	Yes	No
Faith Healing	Yes	No
Far-Infrared Detoxification	Yes	No
Feng Shui Consultant	Yes	No
Flower Essence Therapy	Yes	No
Gem Remedies	Yes	No
Geopathic Stress	Yes	No
Gestalt Psychotherapy*	Yes	No
Gong Bath Meditation	Yes	No
Hand Reflexology	Yes	No
Healer Dowsing	Yes	No
Healing	Yes	No
Heartmath – stress/emotional management programme*	Yes	No
Hellerwork	Yes	No
Herbalism (Western)	Yes	No
Holistic Facial	Yes	No
Holistic Massage	Yes	No
Holistic Psychotherapy	Yes	No
Holographic Repatterning	Yes	No
Homeopathy	Yes	No
Hot Stone Massage	Yes	No
Human Givens psychotherapy/counselling*	Yes	No
Huna	Yes	No
Hydrotherapy	Yes	No
Hypnotherapy*	Yes	No
I-Ching Readings	Yes	No
Indian Face Massage	Yes	No
Indian Head Massage	Yes	No
Instrument Assisted Soft Tissue Mobilisation	Yes	No
Integrated Energy Therapy	Yes	No
Integrative Art Therapy	Yes	No
Interferential Therapy	Yes	No
Iridology	Yes	No
Jin Shin Jyutsu	Yes	No
Journey Therapy	Yes	No
Kairos/Shen Therapy	Yes	No
Kalari Foot Massage	Yes	No
Kinesiology	Yes	No
Kinesiology Taping	Yes	No
Kinetic Chain Release	Yes	No
Kore Therapy	Yes	No
Ku Nye (Tibetan) Head Massage	Yes	No
La Stone Therapy	Yes	No
Laughter Yoga Therapy	Yes	No
Lava Shells Massage	Yes	No
Lava Wellness Massage	Yes	No
Lebed Method	Yes	No
Life Skills Consultancy	Yes	No
Life and Business Coaching*	Yes	No
Light Therapy	Yes	No
Light Touch Therapy	Yes	No
Lomi Lomi Massage	Yes	No
M Technique	Yes	No
Magnetic Therapy	Yes	No
Magnified Healing	Yes	No
Manual Lymphatic Drainage	Yes	No
Mary Network Healing	Yes	No
Massage in Schools Instructor	Yes	No
Matrix Reimprinting	Yes	No
Meditation/Meditation Teaching	Yes	No
Mediumship	Yes	No
Meridian Therapy	Yes	No
Meta-Medicine	Yes	No
Metabolic Effect Fitness	Yes	No
Metamorphic Technique	Yes	No
Mickel Therapy	Yes	No
Mindfulness Therapy	Yes	No
Mobiliser	Yes	No
Moxibustion*	No	Yes
Music Therapy	Yes	No
Myers Briggs	Yes	No
Myers Therapy	Yes	No
Myofascial Release	Yes	No
NO HANDS® Massage	Yes	No
Naturopathy	Yes	No
Neuro-Linguistic Programming (NLP)	Yes	No
Neuromuscular Therapy	Yes	No
Neurostructural Integration Technique	Yes	No
Numerology	Yes	No
Nutritional therapy/medicine	Yes	No
On Site Massage	Yes	No
Oncology Massage	Yes	No
Oracle Card Reading	Yes	No
Oriental Body Balance	Yes	No
Palmistry	Yes	No
Paranormal Practitioner	Yes	No
Parts Therapy*	Yes	No
Pendulum Dowsing	Yes	No
Phytobiophysics	Yes	No
Phytotherapy	Yes	No
Play Therapy*	Yes	No
Polarity Therapy	Yes	No
Posture Analysis	Yes	No
Pranic Healing	Yes	No
Pregnancy Massage*	Yes	No
Pregnancy Reflexology*	Yes	No
Psych-K*	Yes	No
Psychic Readings	Yes	No
Psychic Surgery	Yes	No
Psychobiology	Yes	No
Psychometric Assessment	Yes	No
Psychosynthesis	Yes	No
Pulsing	Yes	No
Qi Gong (Non Contact)	Yes	No
Quantum-Touch	Yes	No
Radionics	Yes	No
Rahanni Celestial Healing	Yes	No
Re-birthing Breathwork	Yes	No
Reality Therapy	Yes	No
Reconnective Healing	Yes	No
Reference Point Therapy (RPT)	Yes	No
Reflective Repatterning	Yes	No
Reflexology	Yes	No
Reiki	Yes	No
Relaxation Therapy	Yes	No
Remedial & Sports Massage	Yes	No
Reverse Therapy	Yes	No
Rolfing	Yes	No
Rossiter Method	Yes	No
Runes	Yes	No
Scenar Therapy	Yes	No
Seated Acupressure	Yes	No
Seated Meridian Massage	Yes	No
Sedona Method	Yes	No
Seichem	Yes	No
Seiki	Yes	No
Shamanic Healing*	Yes	No
Shen Therapy	Yes	No
Shiatsu	Yes	No
Skeletal Balancing	Yes	No
Smoking Cessation Therapy*	Yes	No
Soul Plan Reading	Yes	No
Sound Healing / Therapy	Yes	No
Speech and Language Therapy	Yes	No
Spiritual Healing*	Yes	No
Spiritual coaching*	Yes	No
Sports Therapist*	Yes	No
Stress Management	Yes	No
Swedish Massage	Yes	No
Systematic Kinesiology	Yes	No
Tai Chi Instructor (Non-Combat)*	Yes	No
Tapas Acupressure Techniques (TAT)	Yes	No
Tarot Card Reading	Yes	No
Tatty Bumpkin	Yes	No
Tea Leaf Reading/Tasseography	Yes	No
Terra-Mai Reiki/Seichem	Yes	No
Thai Foot Massage*	Yes	No
Thai Massage	Yes	No
Thai Yoga Massage	Yes	No
The ‘M’ Technique	Yes	No
The Trager Approach®	Yes	No
Thermal Palms	Yes	No
Theta Healing	Yes	No
Thought Field Therapy	Yes	No
Time Line Therapy	Yes	No
Touch For Health	Yes	No
Trager Therapy	Yes	No
Trigger Point Therapy	Yes	No
Tui Na Massage	Yes	No
Tuning Fork Therapy	Yes	No
Ultrasound therapy	Yes	No
Vibrational Medicine	Yes	No
Vibrillian	Yes	No
Vibromuscular Harmonization Technique (VHT)	Yes	No
Visualisation	Yes	No
Warm Bamboo Massage	Yes	No
Weight Loss Consultant*	Yes	No
Whole Food Therapy	Yes	No
Wholistic Hybrid of EMDR and EFT (WHEE)	Yes	No
Working Coach utilizing the work of Louise Hay	Yes	No
Workshop Leader utilizing the work of Louise Hay	Yes	No
Yoga Teaching/Therapy	Yes	No
Zdenko Domancic Bioenergy Therapy	Yes	No
Zero Balancing	Yes	No
Zone Therapy	Yes	No

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

Homeopath

Descriptions of cover	Automatic	Optional
Acupressure	Yes	No
Acupuncture*	No	Yes
Alexander Technique	Yes	No
Aromatherapy	Yes	No
Auricular Acupuncture*	No	Yes
Ayurveda	Yes	No
Baby Massage Instructor*	Yes	No
Bach and Australian Bush Flower Remedies	Yes	No
Colonic Hydrotherapy*	No	Yes
Colour Therapy	Yes	No
Craniosacral Therapy	Yes	No
Crystal Healing /Therapy	Yes	No
Cupping*	No	Yes
Flower Essence Therapy	Yes	No
Healing	Yes	No
Herbalism (Western)	Yes	No
Homeopathy	Yes	No
Hopi Ear Candles	Yes	No
Hypnotherapy*	Yes	No
Iridology	Yes	No
Kinesiology	Yes	No
Light Touch Therapy	Yes	No
Magnetic Therapy	Yes	No
Massage	Yes	No
Moxibustion*	No	Yes
Nutritional Therapy/Medicine	Yes	No
Reflexology	Yes	No
Reiki	Yes	No
Shiatsu	Yes	No
Thai Massage	Yes	No
Yoga Teaching/Therapy	Yes	No

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

Nutritional Therapist

Descriptions of cover	Automatic	Optional
Diet and Nutrition Advice	Yes	No
Healthy Eating Advice*	Yes	No
Nutritional Therapy/Medicine	Yes	No
Vitamin Therapy	Yes	No
Weight Management Consultant*	Yes	No
Whole Food Therapy	Yes	No

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

Counsellor

Descriptions of cover	Automatic	Optional
Counselling*	Yes	No
Counselling Supervision*	Yes	No
Psychotherapeutic Counselling	Yes	No
Psychotherapy*	Yes	No

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

Gym Instructor

Descriptions of cover	Automatic	Optional
Aerobics Instructors	Yes	No
Aqua Zumba	Yes	No
Bellyfit	Yes	No
Body Conditioning / Swiss Ball	Yes	No
Body Training Systems	Yes	No
Boxercise	Yes	No
Chair Based Exercise	Yes	No
Cheerleading (excluding acrobatics)	Yes	No
Circuit Training	Yes	No
Dance based exercise	Yes	No
Exercise in the water	Yes	No
Fitball	Yes	No
Fitness fx	Yes	No
Friskis and Svettis	Yes	No
Fust Jhoom	Yes	No
General Exercise Class including those using equipment	Yes	No
Golf Biomechanics	Yes	No
Group Studio Cycling	Yes	No
Gymnasium Instructors	Yes	No
Hula Hoop classes	Yes	No
Indian Club swinging	Yes	No
Jazzercise	Yes	No
Junior Fitness	Yes	No
Kettlebells	Yes	No
Martial Arts based fitness (no body contact)	Yes	No
Non-contact Kickboxing	Yes	No
Nordic Walking	Yes	No
Parkour	Yes	No
Personal Training	Yes	No
Pilates	Yes	No
Piloxing	Yes	No
Powerplate	Yes	No
Rebounding	Yes	No
Salsa Dancing	Yes	No
Skipping	Yes	No
Spinning	Yes	No
Sports Massage (not in isolation)	Yes	No
Street Dance Instructor	Yes	No
Swiss Ball	Yes	No
TRX training system	Yes	No
Tai Chi	Yes	No
Thump Boxing	Yes	No
Trampolining	Yes	No
ViPR	Yes	No
Yoga including Chi-Yoga	Yes	No
Zumba including Zumba based activities	Yes	No

FAQs

Business Insurance FAQs

Why are Salon Gold’s insurance packages so comprehensive?

We know that working in the hair, beauty, health, fitness, and holistic industries can bring many unique risks. Rather than expecting you to choose the individual covers you think you’d most benefit from, we strive to ensure you are protected in all situations. For example, if you run a salon, you may decide to take out public liability insurance as this is one of the most popular covers for business owners. However, this wouldn’t be of any use if someone had an allergic reaction to one of your products and took legal action, or if your equipment was destroyed in a fire. Luckily, our salon insurance package includes treatment risk and contents cover, protecting you in both of these circumstances.

Is it cheaper to buy an insurance package or buy individual covers?

Our comprehensive packages save you money in the long run. Having this extensive insurance means you won’t have to pay for unexpected damages or legal issues, while you may suffer significant financial losses if you don’t have the relevant cover. And rather than buying all these covers separately, it’s much cheaper to do so in bulk.

What does liability insurance cover?

Liability insurance protects you from claims regarding physical injuries or property damage caused by your business activities. We offer three distinct types of liability insurance:

Public liability: For claims where a client or other third party has been accidentally injured or their property has been damaged due to the operation of your business.

Products liability: For claims where a product sold or supplied by your business caused an accidental injury or damage to a third party’s property.

Employers liability: For claims where an employee takes legal action against your business due to an injury or illness they sustained while working for you. Please note that this insurance is a legal requirement if you employ any staff.

“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

Learn more

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 hairdresser, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!

Teacher cover Student cover

What our customers say

Join 47,000+ businesses

Get a Quote

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s).

© Copyright 2026 Salon Gold | Salon Gold, Holistic Gold, Counselling Gold, Fitness Gold and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register. Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.

Business Insurance Covers

Insurance for salon owners and freelance professionals

Why choose Salon Gold Business Insurance Covers?

Where do you work?

Salon Automatic Covers

Salon Optional Covers

Freelance Automatic Covers

Freelance Optional Covers

Treatments Covered

Treatments

Salon Treatments

Hair Salon

Beauty Salon

Barber Shop

Nail Salon

Tanning Salon

Freelance & Mobile Treatments

Hairdresser

Barber

Beauty Therapist

Nail Technician

Makeup Artist

Trichologist

Face Painting

Student

Holistic Therapist

Homeopath

Nutritional Therapist

Counsellor

Gym Instructor

FAQs

Business Insurance FAQs

Why are Salon Gold’s insurance packages so comprehensive?

Is it cheaper to buy an insurance package or buy individual covers?

What does liability insurance cover?

“Will qualifications affect my insurance?”

Teacher or student cover

Business Insurance Related Articles

Who needs Malpractice Insurance?

Public Liability Insurance For Freelancers: Explained

Do I need Public Liability Insurance if I’m Self-Employed?

What’s the difference between Treatment Risk Insurance & Malpractice Insurance?

What is Treatment Risk Insurance?

What is Employer’s Liability Insurance?

What is the difference between Medical Malpractice & Professional Indemnity Insurance?

What is Public Liability Insurance?

What is Personal Accident Insurance?

Understanding Freelance Public Liability Insurance: A Guide