Mobile and Freelance Insurance for the Self-Employed

Mobile and Freelance Insurance for the Self-Employed

Protect your mobile or freelance business with instant cover from Salon Gold

Comprehensive Self-employed Public Liability Insurance

Automatic cover includes…

Our self-employed insurance is designed for mobile and freelance professionals. Our standard policy automatically includes the following covers, all of which (excluding financial loss) offer a limit of £3 million per claim, which can be increased to £5 million if required.

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

Optional cover includes…

You can also add any of these optional covers to your policy if you choose to:

Freelance & Mobile Insurance

We cover different sectors including the hair and beauty sector, health & fitness, counselling & coaching and holistic & complementary therapy. We also cover teachers and students.

Freelance Hub

What's included...

from £45.32* per year
* 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.

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 coverAutomaticOptional
Application of tooth jewelleryYesNo
Cutting and shaping of nails including application of acrylic coatingsYesNo
Ear piercing by gun and stud method*YesNo
Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*YesNo
Eyelash treatments including tinting, lifting, perming and applying false eyelashes*YesNo
False eyelashes, including semi-permanent eyelash extensionsYesNo
Special treatment of hair including chemical straightening conditioning treatmentsYesNo
Tinting, dyeing, bleaching or permanent waving of hairYesNo
Use of cut throat razors, hair clippers and trimmersYesNo
Use of electrical equipment such as tongs, curlers or straightenersYesNo
Washing, styling, cutting, application of hair extensions and drying of hairYesNo
* Additional terms apply. Full details available during the quote process.

Barber

Descriptions of coverAutomaticOptional
Use of cut throat razors, hair clippers and trimmersYesNo
Washing, styling, cutting and drying of hairYesNo

Beauty Therapist

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Descriptions of coverAutomaticOptional
Acid Peels*YesNo
AcupressureYesNo
Advanced electrolysis*NoYes
Advanced waxingYesNo
Airbrush tanningYesNo
Application of false tanning productsYesNo
Aqua detoxYesNo
AromatherapyYesNo
Ayurvedic massageYesNo
Baby massage*YesNo
Bamboo massageYesNo
Bikini hair colouring*YesNo
Bleaching of superfluous hairYesNo
Body wrapsYesNo
Bowen techniqueYesNo
Chinese foot massage*YesNo
Craniosacral therapyYesNo
Crystal healingYesNo
Dermalogica bio surface peel*NoYes
Dermalogica pro power peel*NoYes
Dermaplaning*NoYes
Detox foot spaYesNo
Ear piercing by gun and stud method*YesNo
Electrolysis (epilation)*YesNo
Endermologie*YesNo
Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination*YesNo
Eyelash treatments including tinting, lifting, perming and applying false eyelashes*YesNo
Facials including ionisation and steam treatmentsYesNo
Faradic treatments*YesNo
Foot massage*YesNo
Galvanic treatments*YesNo
Henna body art*YesNo
Hopi ear candlesYesNo
Hot stone therapyYesNo
Indian head massageYesNo
Infra-red treatmentsYesNo
KinesiologyYesNo
Laser hair removal & IPL*NoYes
Lava shell massageYesNo
Lomilomi massageYesNo
Make up including day, evening, media, stage, fashion and camouflageYesNo
ManicureYesNo
Manual lymphatic drainageYesNo
MassageYesNo
Microblading*NoYes
Microcurrent*YesNo
Microdermabrasion*NoYes
Microneedling*NoYes
Micropigmentation*NoYes
Million dollar facial*NoYes
Myofascial ReleaseYesNo
Nail cutting, shaping, varnishing, nail art, nail extensions, coatings cured using a UV or LED lamp*YesNo
Non-surgical facelift*YesNo
Oxygen treatmentsYesNo
Paraffin waxYesNo
PedicureYesNo
Pejazzle*YesNo
Power plates*YesNo
Pregnancy massage*YesNo
Radio frequency & cavitation*NoYes
ReflexologyYesNo
ReikiYesNo
Self-tanningYesNo
Semi-permanent eyelash extensionsYesNo
Sports massage*YesNo
Spray tanningYesNo
Su-do body art*YesNo
SugaringYesNo
Thai foot massage*YesNo
ThreadingYesNo
Toning tables*YesNo
Tooth JewelleryYesNo
Ultrasound*YesNo
Vacuum suction*YesNo
Vajazzle*YesNo
Vibro plates*YesNo
Warm bamboo massageYesNo
WaxingYesNo
* Additional terms apply. Full details available during the quote process.

Nail Technician

Descriptions of coverAutomaticOptional
Application of nail artYesNo
Application of nail extensions and nail coatings including varnishes and coatings cured using a UV or LED lamp*YesNo
Cutting and shaping of nailsYesNo
Manicures and pedicures including paraffin waxYesNo
* Additional terms apply. Full details available during the quote process.

Makeup Artist

Descriptions of coverAutomaticOptional
Camouflage makeupYesNo
Day makeupYesNo
Evening makeupYesNo
Fashion makeupYesNo
Media makeupYesNo
Stage makeupYesNo

Trichologist

Descriptions of coverAutomaticOptional
Analysis of scalp and or hair disorders and the non-medical treatment of those maladiesYesNo
The blending/mixing of proprietary brands onlyYesNo
The use of ultra violet, infra red or high frequency to assist in the treatmentYesNo

Face Painting

Descriptions of coverAutomaticOptional
Face painting*YesNo
Glitter tattoos*YesNo
Hair braiding*YesNo
Henna body art*YesNo
Nail cutting, shaping, varnishing, nail art, nail extensions and coatings cured using a UV or LED lamp*YesNo
* Additional terms apply. Full details available during the quote process.

Student

Descriptions of coverAutomaticOptional
Case study workYesNo

Holistic Therapist

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Descriptions of coverAutomaticOptional
Abe healingYesNo
Access ConsciousnessYesNo
AcupressureYesNo
Acupuncture*NoYes
Addiction Therapy/Counselling*YesNo
Advanced Sound-Wave EnergyYesNo
Alexander TechniqueYesNo
Allergy Therapy/TestingYesNo
Angel Card ReadingYesNo
Angel Therapy/HealingYesNo
Angelic reikiYesNo
Anti Cellulite MassageYesNo
Aqua DetoxYesNo
AromatherapyYesNo
Art Therapy*YesNo
Art TutorYesNo
AstrologyYesNo
Audio SonicYesNo
Aura Imaging PhotographyYesNo
Aura-Soma Colour SystemYesNo
Auricular Acupuncture*NoYes
Aurora TherapiesYesNo
AyurvedaYesNo
Ayurvedic MassageYesNo
Baby Massage Instructor*YesNo
Baby ReflexYesNo
Baby YogaYesNo
Bach and Australian Bush Flower RemediesYesNo
Balinese MassageYesNo
Bamboo MassageYesNo
Be Set Free Fast™ (BSFF)YesNo
Behavioural TherapyYesNo
Belvaspata HealingYesNo
Bio-Energy TherapyYesNo
Bio-Magnetic TechniqueYesNo
Bio-Resonance*YesNo
BiofeedbackYesNo
Bioptron Light TherapyYesNo
BiorhythmsYesNo
Body Alignment TechniqueYesNo
Body Analysis*YesNo
Body CodeYesNo
Body Conditioning / Swiss BallYesNo
Body Stress ReleaseYesNo
BodyTalk SystemYesNo
Breastfeeding counsellor*YesNo
Breath TherapyYesNo
Brennan Healing ScienceYesNo
Breuss Spinal MassageYesNo
Business CoachYesNo
Buteyko Breathing MethodYesNo
Camouflage Make UpYesNo
Career CoachingYesNo
Chakra BalancingYesNo
ChannellingYesNo
Chavutti Thirumal MassageYesNo
Chi Kung / Qi GongYesNo
Child, Adolescent and Family Therapy*YesNo
Cognitive Behavioural Therapy*YesNo
Colonic Hydrotherapy*NoYes
Colour BreathingYesNo
Colour ReflexologyYesNo
Colour TherapyYesNo
Colour and Image ConsultancyYesNo
Conciliation / MediationYesNo
Craniosacral TherapyYesNo
Creative JournalingYesNo
Crystal Singing BowlYesNo
Crystal healing/therapyYesNo
Culture Change TrainingYesNo
Cupping*NoYes
Dance Movement Therapy*YesNo
Dance Teacher*YesNo
Daoyin TaoYesNo
Deeksha Healing / Oneness BlessingYesNo
Deep Tissue Massage*YesNo
Dorm MethodYesNo
Dowsing for Stress ReliefYesNo
Drama & Movement TherapyYesNo
DramatherapyYesNo
Dream AnalysisYesNo
Ear CandlingYesNo
Egyptian Sekhem ReikiYesNo
Electro Crystal TherapyYesNo
Emmett TechniqueYesNo
EmoTranceYesNo
Emotion CodeYesNo
Emotional Freedom Techniques (EFT)YesNo
Energy HealingYesNo
Energy Technique (The Balance Procedure)YesNo
Face ReadingYesNo
Faith HealingYesNo
Far-Infrared DetoxificationYesNo
Feng Shui ConsultantYesNo
Flower Essence TherapyYesNo
Gem RemediesYesNo
Geopathic StressYesNo
Gestalt Psychotherapy*YesNo
Gong Bath MeditationYesNo
Hand ReflexologyYesNo
Healer DowsingYesNo
HealingYesNo
Heartmath - stress/emotional management programme*YesNo
HellerworkYesNo
Herbalism (Western)YesNo
Holistic FacialYesNo
Holistic MassageYesNo
Holistic PsychotherapyYesNo
Holographic RepatterningYesNo
HomeopathyYesNo
Hot Stone Massage/TherapyYesNo
Human Givens psychotherapy/counselling*YesNo
HunaYesNo
HydrotherapyYesNo
Hypnotherapy*YesNo
I-Ching ReadingsYesNo
Indian Face MassageYesNo
Indian Head MassageYesNo
Instrument Assisted Soft Tissue MobilisationYesNo
Integrated Energy TherapyYesNo
Integrative Art TherapyYesNo
Interferential TherapyYesNo
IridologyYesNo
Jin Shin JyutsuYesNo
Journey TherapyYesNo
Kairos/Shen TherapyYesNo
Kalari Foot MassageYesNo
KinesiologyYesNo
Kinesiology TapingYesNo
Kinetic Chain ReleaseYesNo
Kore TherapyYesNo
Ku Nye (Tibetan) Head MassageYesNo
La Stone TherapyYesNo
Laughter Yoga TherapyYesNo
Lava Shells MassageYesNo
Lava Wellness MassageYesNo
Lebed MethodYesNo
Life Skills ConsultancyYesNo
Life and Business Coaching*YesNo
Light TherapyYesNo
Light Touch TherapyYesNo
Lomi Lomi MassageYesNo
M TechniqueYesNo
Magnetic TherapyYesNo
Magnified HealingYesNo
Manual Lymphatic DrainageYesNo
Mary Network HealingYesNo
Massage in Schools InstructorYesNo
Matrix ReimprintingYesNo
Meditation/Meditation TeachingYesNo
MediumshipYesNo
Meridian TherapyYesNo
Meta-MedicineYesNo
Metabolic Effect FitnessYesNo
Metamorphic TechniqueYesNo
Mickel TherapyYesNo
Mindfulness TherapyYesNo
MobiliserYesNo
Moxibustion*NoYes
Music TherapyYesNo
Myers BriggsYesNo
Myers TherapyYesNo
Myofascial ReleaseYesNo
NO HANDS® MassageYesNo
NaturopathyYesNo
Neuro-Linguistic Programming (NLP)YesNo
Neuromuscular TherapyYesNo
Neurostructural Integration TechniqueYesNo
NumerologyYesNo
Nutritional therapy/medicineYesNo
On Site MassageYesNo
Oncology MassageYesNo
Oracle Card ReadingYesNo
Oriental Body BalanceYesNo
PalmistryYesNo
Paranormal PractitionerYesNo
Parts Therapy*YesNo
Pendulum DowsingYesNo
PhytobiophysicsYesNo
PhytotherapyYesNo
Play Therapy*YesNo
Polarity TherapyYesNo
Posture AnalysisYesNo
Pranic HealingYesNo
Pregnancy Massage*YesNo
Pregnancy Reflexology*YesNo
Psych-K*YesNo
Psychic ReadingsYesNo
Psychic SurgeryYesNo
PsychobiologyYesNo
Psychometric AssessmentYesNo
PsychosynthesisYesNo
PulsingYesNo
Qi Gong (Non Contact)YesNo
Quantum-TouchYesNo
RadionicsYesNo
Rahanni Celestial HealingYesNo
Re-birthing BreathworkYesNo
Reality TherapyYesNo
Reconnective HealingYesNo
Reference Point Therapy (RPT)YesNo
Reflective RepatterningYesNo
ReflexologyYesNo
ReikiYesNo
Relaxation TherapyYesNo
Remedial & Sports MassageYesNo
Reverse TherapyYesNo
RolfingYesNo
Rossiter MethodYesNo
RunesYesNo
Scenar TherapyYesNo
Seated AcupressureYesNo
Seated Meridian MassageYesNo
Sedona MethodYesNo
SeichemYesNo
SeikiYesNo
Shamanic Healing*YesNo
Shen TherapyYesNo
ShiatsuYesNo
Skeletal BalancingYesNo
Smoking Cessation Therapy*YesNo
Soul Plan ReadingYesNo
Sound Healing / TherapyYesNo
Speech and Language TherapyYesNo
Spiritual Healing*YesNo
Spiritual coaching*YesNo
Sports Therapist*YesNo
Stress ManagementYesNo
Swedish MassageYesNo
Systematic KinesiologyYesNo
Tai Chi Instructor (Non-Combat)*YesNo
Tapas Acupressure Techniques (TAT)YesNo
Tarot Card ReadingYesNo
Tatty BumpkinYesNo
Tea Leaf Reading/TasseographyYesNo
Terra-Mai Reiki/SeichemYesNo
Thai Foot Massage*YesNo
Thai MassageYesNo
Thai Yoga MassageYesNo
The 'M' TechniqueYesNo
The Trager Approach®YesNo
Thermal PalmsYesNo
Theta HealingYesNo
Thought Field TherapyYesNo
Time Line TherapyYesNo
Touch For HealthYesNo
TragerYesNo
Trigger Point TherapyYesNo
Tui Na MassageYesNo
Tuning Fork TherapyYesNo
Ultrasound therapyYesNo
Vibrational MedicineYesNo
VibrillianYesNo
Vibromuscular Harmonization Technique (VHT)YesNo
VisualisationYesNo
Warm Bamboo MassageYesNo
Weight Management Consultant*YesNo
Whole Food TherapyYesNo
Wholistic Hybrid of EMDR and EFT (WHEE)YesNo
Working Coach utilizing the work of Louise HayYesNo
Workshop Leader utilizing the work of Louise HayYesNo
Yoga Teaching/TherapyYesNo
Zdenko Domancic Bioenergy TherapyYesNo
Zero BalancingYesNo
Zone TherapyYesNo
* Additional terms apply. Full details available during the quote process.

Nutritional Therapist

Descriptions of coverAutomaticOptional
Diet and Nutrition AdviceYesNo
Healthy Eating Advice*YesNo
Nutritional Therapy/MedicineYesNo
Vitamin TherapyYesNo
Weight Management Consultant*YesNo
Whole Food TherapyYesNo
* Additional terms apply. Full details available during the quote process.

Counsellor

Descriptions of coverAutomaticOptional
Counselling*YesNo
Counselling Supervision*YesNo
Psychotherapeutic CounsellingYesNo
Psychotherapy*YesNo
* Additional terms apply. Full details available during the quote process.

Gym Instructor

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Descriptions of coverAutomaticOptional
Aerobics InstructorsYesNo
Aqua ZumbaYesNo
BellyfitYesNo
Body Conditioning / Swiss BallYesNo
Body Training SystemsYesNo
BoxerciseYesNo
Chair Based ExerciseYesNo
Cheerleading (excluding acrobatics)YesNo
Circuit TrainingYesNo
Dance based exerciseYesNo
Exercise in the waterYesNo
FitballYesNo
Fitness fxYesNo
Friskis and SvettisYesNo
Fust JhoomYesNo
General Exercise Class including those using equipmentYesNo
Golf BiomechanicsYesNo
Group Studio CyclingYesNo
Gymnasium InstructorsYesNo
Hula Hoop classesYesNo
Indian Club swingingYesNo
JazzerciseYesNo
Junior FitnessYesNo
KettlebellsYesNo
Martial Arts based fitness (no body contact)YesNo
Non-contact KickboxingYesNo
Nordic WalkingYesNo
ParkourYesNo
Personal TrainingYesNo
PilatesYesNo
PiloxingYesNo
PowerplateYesNo
ReboundingYesNo
Salsa DancingYesNo
SkippingYesNo
Sports Massage (not in isolation)YesNo
Street Dance InstructorYesNo
TRX training systemYesNo
Tai ChiYesNo
Thump BoxingYesNo
TrampoliningYesNo
ViPRYesNo
Yoga including Chi-YogaYesNo
Zumba including Zumba based activitiesYesNo

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business.

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Are you a Student?

Yes
No
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Based on the information provided we would suggest our Student policy.

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Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?

Yes
No
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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a salon or business owner?

Yes
No
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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.

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Do you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their therapy or treatment?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

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« back

Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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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.

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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.

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    Mobile and Freelance Insurance FAQs

    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.

    Mobile and Freelance Insurance Related Articles

    This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s). © Copyright 2024 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.
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