Whether you style hair or provide beauty treatments, there are plenty of risks associated with working in the hair and beauty industry, which is why insurance is important. It’s likely that your business offers a variety of services and you operate from a well fitted, smart, salon premises. You will need to protect your salon furniture, styling chairs, reception desk, washpoints and beauty beds along with all of your other salon contents should the worse happen.
In the event that your contents are lost, stolen or damaged, replacing them could be extremely costly, leaving your business struggling financially. However, with a Salon Gold insurance policy, you can continue running your business as usual, knowing it’s protected.
Insurance provided by a Standard & Poor’s A (Strong) rated insurer.
We’ve been working with businesses like yours for over 40 years.
Tailor-made insurance policies, made for specialists, by specialists.
Our contents cover includes:
This cover is an optional cover for all salon insurance customers and is not available for our freelance or mobile customers
Contents insurance provides protection for any possessions and equipment you keep in your salon. You can select precisely how much cover you need, but you must choose the maximum amount you might require at any point during the policy period. Failing to do this may mean that insurers will be unable to pay the full amount if you make a claim. Cover is provided on a “new for old” basis, which means that even if you purchased an item secondhand, you’ll need to insure it for the full replacement cost. There is also an excess of £250 in the event of a claim.
When working out how much to insure for under the contents section, you should be sure to include the new replacement value of the following items:
All of our salon insurance policies include contents cover as standard and you can also tailor the policy to meet the needs of your business. The most important covers for your business are included as standard. For example treatment risk cover is included and will protect you if a treatment goes wrong, or if a client suffers an allergic reaction. Accidents are often unavoidable, so it’s essential that your business is properly insured.
Public liability insurance is also included as standard and applies to any business where you have direct interaction with clients. This cover protects your financial interests if a customer or third party makes a claim related to property damage or personal injury caused on your premises or by your work. At Salon Gold, we understand just how important this kind of insurance is, which is why we offer it as part of our automatic cover, available with every policy taken out with us.
Find out which insurance policy is right for your business.
Are you a Student?
Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?
Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.
Get a quoteAre you employed by a salon or business owner?
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 quoteDo you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?
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 quoteDo customers visit you at home for their therapy or treatment?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.
Get a quoteBased 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
We offer some of the most comprehensive insurance policies in the hairdressing, beauty, holistic, health & fitness and counselling sectors.
Specialising in salons and fixed premises, as well as mobile and freelance businesses, Salon Gold insurance has been trusted for over 40 years, with prices you won’t find on a comparison site!
The automatic covers in our policies include everything you will need to ensure the dream you’ve worked so hard for is secure. But we also offer a range of optional covers that might be suited to your business’s needs — at competitive rates.
Explore our covers in our covers hub or get a quick online quote now!
Covers Hub
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.
TreatmentsYes. It is imperative that you take out a policy that includes contents cover insurance to protect everything inside your salon. Regardless of the time taken to care for your contents, situations out of your control may occur. For instance, if there’s a fire that destroys some of your equipment, purchasing replacements is likely to be costly and could cause long-term financial damage to your business. This could impact the stability and longevity of your salon, making a contents cover policy essential should anything bad happen.
Our contents insurance protects everything inside of your salon, includes anything your business relies on to run, from salon chairs and beauty beds to towels, hair dryers and telephones. Essentially, if you were to turn your salon upside down, the contents count as any item that would fall out (excluding stock).
Most freelancers do not operate from a premises so will not have a need for contents cover. However, if you rent a room for example, you can add cover for stock and equipment to your mobile or freelance policy. This will provide cover for the stock and the equipment you need to run your freelance business.
