Why do you need mobile and freelance insurance?

Mobile and freelance insurance is essential when you work independently, because without an employer who would normally organise appropriate cover, it falls on you to protect your business before something goes wrong. If you don’t have adequate insurance, you may find yourself struggling financially if you have to pay out for unexpected damages, losses or legal fees, such as damaged equipment or an accidental injury inflicted on a client. Mobile and freelance insurance is essential when you work independently, because without an employer who would normally organise appropriate cover, it falls on you to protect your business before something goes wrong. If you don’t have adequate insurance, you may find yourself struggling financially if you have to pay out for unexpected damages, losses or legal fees, such as damaged equipment or an accidental injury inflicted on a client.

How much is mobile and freelance insurance?

The cost of your mobile and freelance insurance will depend on the extent of cover you require. You may need a few of our optional covers on top of our automatic package. However, our premium cover starts at as little as £45.32 per year, including public, product and professional treatment risk liability cover of up to £3 million, £10,000 financial loss cover, and insurance premium tax and admin charges. This is an annual fee for all of our customers unless you add extra covers, as these are priced separately.

How can I reduce the risk of legal action as a freelancer?

The best way to keep any legal recourse at bay is to plan appropriately and take precautions before carrying out any work. For instance, to avoid an accident occurring to one of your clients, such as tripping over an exposed electrical wire, ensure your workspace is kept neat and tidy. You should also carry out risk assessments where necessary, listing anything that could cause injury or harm to you and others while you work. This will help you identify the steps you need to take to protect yourself and your clients. Keeping a record of your clients and their personal information is also a good idea, as this will help if you need to make a claim.

Freelance Insurance for hairdressing, beauty, health & holistic professions

What's included...

from £45.32* per year

£3m Public, Products and Professional Treatment Risk Liability Cover OR Malpractice Cover (up to £5m available)

£10k Financial Loss Cover

Insurance Premium Tax

Our Admin Charge

* 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 nail technician or makeup artist (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.

Covers Treatments

Specialised Mobile and Freelance Insurance

Running a mobile business or working as a freelancer is an exciting venture, allowing you to operate independently and take full control of your livelihood. However, going solo is not without its risks. Whether you travel to your clients, rent a chair in a salon, or work from home, you’ll need comprehensive insurance to ensure that your company is kept financially protected from accidents, property damage and more.

Salon Gold offers a mobile and freelance insurance policy that covers all bases, and can be adapted to fit the specific needs of your business. We provide insurance for a range of professions in the holistic therapy, fitness, hairdressing, and health and beauty sectors. At Salon Gold we believe that buying the right insurance should be simple and stress-free so join our community today to get the specialist cover your business deserves. Whether you’re a freelance fitness instructor or a mobile make-up artist, we have the perfect policy for you.

Mobile and Freelance Insurance for the Self-Employed 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/Therapy	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	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 Management 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
Sports Massage (not in isolation)	Yes	No
Street Dance Instructor	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

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

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Salon

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Salon covers