Public Liability Insurance

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Beauty Public Liability Insurance: Protect Your Dreams and Your Business

Being a beauty professional is so much more than a job. You don’t just cut and style a client’s hair or tend to their nails — you provide an all-round experience that helps make customers feel good about themselves.

Unfortunately, from time to time, things can go wrong. Whether it’s accidentally leaving out a makeup bag that somebody trips over, spilling coffee on a client’s phone or even burning a hole in their carpet, the risk of causing personal injury or property damage is always there as a beauty professional. This is why having a comprehensive public liability insurance policy is so vital.

After all, you’ve spent so long getting your business to where it is, it would be terrible if things were jeopardised over a particularly expensive lawsuit. Public liability insurance protects against claims related to injury or property damage caused to third parties, with your insurer (and not you) paying out for any related costs.


Get various costs covered, including legal expenses

As well as paying for the compensation awarded for the claimant’s injury or the cost of replacing or repairing their damaged property, the insurance also covers incidental expenses, such as lost wages or any travel costs that the claimant has incurred. Any legal costs incurred in the handling of the claim are also covered.

Your public liability insurer will have a legally trained team that specialises in handling complex legal arguments often involved in compensation claims. This means you can get on with running your business without having to worry about dealing with legal issues.

What Do You Get With Public Liability?

Whether you work from a salon, clinic, your home, or on a mobile basis, Salon Gold public liability insurance has you covered. We protect you regardless of whether your business is based in the UK, the Channel Islands, or the Isle of Man. Our policy even includes temporary cover (up to 14 days) for those working abroad  — excluding the USA and Canada. It also covers accidental damage to the personal belongings of both your employees and clients, as well as compensation for court attendance of up to £250 per day.

We offer public liability as standard with all our insurance policies, as well as financial loss insurance and products liability, which includes cover for any products you sell or supply. Treatment risk cover is also included considering standard public liability insurance does not actually cover injuries or damage to property caused by your professional services. For this reason, it is essential for those in the hair and beauty industry to have it to avoid any gap in cover. 

For our clients in the holistic, health, and fitness sectors, our policy provides malpractice insurance cover instead of treatment risk. Malpractice insurance covers claims for bodily injury, mental and psychological damage from physical procedures or from advice, or a combination of both.

Our standard cover includes:

  • A limit of indemnity of up to £3 million in any one claim (or up to £1 million for students)
  • The option to increase this up to £5 million in any one claim (excluding students)
  • Data Protection Act cover of up to £250,000
  • Defective Premises Act cover of up to £3 million (or £1 million for students)
  • Health & Safety At Work Act cover of up to £100,000


Do you own or lease a salon? Check out our beauty salon insurance package. Click here

Which type of Salon Gold policy do I need?

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

We cover treatments and trades in hair, beauty, holistic, fitness and counselling sectors

Public Liability Insurance FAQs

Do I need public liability insurance?

Public liability insurance is vital for mobile hairdressing, beauty and health & fitness businesses – and is just as important if you own a hair salon. Anyone who says they were injured or that their property was damaged by you or your staff could decide to sue you for compensation. 

Even if you know you’re not at fault, without public liability insurance, you could be left with crippling legal fees to try to defend your case. Although it’s not a legal requirement, most business owners see public liability as an essential low-cost safety net.

Is public liability insurance legally required?

While there is no legal requirement for freelancers and mobiles to hold public liability insurance, we highly recommend that you do. However careful and professional you are, the unexpected can happen. If you find yourself faced with a claim for injury or damage with no insurance protection, your business may not be able to recover from the costs you would be liable for.

Will I automatically get public liability with a Salon Gold insurance policy?

Here at Salon Gold, we understand the importance to your business of public liability insurance and we include it as standard on all of our insurance policies.

Does public liability insurance protect me if a treatment goes wrong?

Standard public liability insurance doesn’t safeguard you from claims which result from your professional services. If a treatment goes wrong and as a result your client suffers, for example, an allergic reaction, a burn, or other injury, standard public liability insurance wouldn’t usually cover this. 

However, we include treatment risk or malpractice cover as an extension of our public liability insurance, and this does provide cover for any injuries or damage caused by treatments you carry out.

Am I covered if a staff has an accident at work?

If you employ a team of staff, you legally need to hold employers liability insurance, which protects you from any insurance claims your staff may bring against you after being injured at work. This is available as an optional cover on all of Salon Gold’s insurance policies.

Do I need public liability insurance if I work from home?

Even if you’re working from home, there is still a risk that something can go wrong. We would strongly advise you to take out public liability insurance to protect your business when clients come to you or when you visit them at their premises. You can select the ‘Working From Home Extension’ under our freelance package, which automatically includes public liability insurance for visitors to your home in connection with your business.

What if I have more than one occupation?

When you’re filling out our online quote form, you’re able to select up to three occupations that you want insurance cover for. If you need more than three options, simply get in touch with our team and we can arrange all the cover you need. It is vital that your public liability insurance includes all the business activities you’re involved in, so that there aren’t any gaps in your cover.

How much is public liability insurance?

The cost of your public liability insurance depends on factors like your profession, your claims history and whether you want to add any optional extra covers. Get a quote online now, with instant cover.

Why is a public liability insurance policy’s indemnity limit so high?

Many people wonder why the indemnity limit in their public liability insurance policy is £1,000,000, or sometimes even higher. To most people, that’s a huge amount of money. But where compensation claims are involved, it’s not actually as huge as you’d think.

If someone tripped over in a salon and broke their wrist, the claim could easily reach £20,000. By the time that the claimant’s loss of wages, additional expenses and legal fees were factored in, that figure could be considerably higher. Having a high indemnity limit ensures you’re fully covered in such scenarios.

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