Trusted Insurance For Salon Owners

Build the right salon insurance to fit your business. Quick and simple, with instant cover

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Policies To Protect Your Dreams

Your salon is the result of the hard work you put in to make your dreams a reality. After spending countless hours qualifying as a technician, opening your own salon, and building up a client base, your livelihood is definitely worth protecting as comprehensively as you can. But that’s also another, sometimes costly, expense.

Here at Salon Gold, we’re committed to offering our clients the best deals on their insurance policies. As standard, we offer Public, Products, and Professional Treatment Risk Liability Cover, Financial Loss Cover for a Sole Trader, Insurance Premium Tax, and our admin charge, giving you everything you need to get started on your journey.

With prices starting from an affordable £49.80 per year, you also have the option to add other, more specific covers to your policy, allowing you to craft the perfect insurance policy for your needs. Get in touch with our team today for more information.

Which type of Salon Gold policy do I need?

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

Our salon insurance automatic covers include:

Business interruption

Cover is provided for any loss of income suffered by your business for a period of up to two years following any loss, destruction or damage to property insured under this policy. The standard limit of cover is £750,000, and this can be increased if required. Cover includes any outstanding book debts you are unable to recover up to a maximum of £10,000.

Full Info
Contents cover

This provides protection for the business contents and equipment you have in the salon against things such as fire, flood or theft. You can select the amount of cover you need but remember to select the maximum amount of cover you would need at any point during the policy period. If you do not select the full amount that you have, insurers may not pay the full amount of any claim you may make.

Cover is provided on a “new for old” basis, even if you purchased some items second hand, you will need to insure for the full new replacement cost.

Please click here for a guide to assist you in assessing your sums insured and if you have any queries or would like to discuss this in more detail, please contact us.

There is an excess of £350 in the event of a claim under this section.

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Employer’s liability

If you employ any staff or trainees, Employer’s Liability insurance is a legal requirement. Cover is automatically provided up to £10,000,000 and provides protection against claims for compensation from employees following injury during the course of their employment.

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Exhibition Cover

Provides cover for up to £2,500 of items insured under this policy whilst at any exhibition, anywhere within Great Britain. Cover excludes theft unless involving a break in at the exhibition premises.

There is an excess of £350 in the event of a claim under this section.

Full Info
Failure of electric, gas & water supply

Cover is provided for up to £500 per day following accidental failure of public supplies of electricity, gas or water at the salon.

Full Info
Failure of telephone line

Cover is provided for up to £250 per day following accidental failure of the supply of telecommunications services at the salon.

Full Info
Glass cover

Provides unlimited cover for breakage of fixed glass at the premises, including the costs of boarding up. Cover is limited to £2,500 in respect of damage to the contents of display windows or damage to window and door frames.

There is an excess of £350 in the event of a claim under this section.

Full Info
Goods in Transit

Provides cover for up to £5,000 of items insured under this policy whilst in transit in any vehicles owned or leased by you, anywhere within Great Britain.

There is an excess of £350 in the event of a claim under this section.

Full Info
Legal expenses cover

This is a comprehensive legal expenses package providing £100,000 of cover in any one period of insurance for the following:

  1. Employment Disputes
  2. Employment Compensation Awards
  3. Restrictive Covenant Disputes
  4. Representation for Tax Investigations and VAT assessments
  5. Property Disputes
  6. Legal Defence
  7. Compliance and Regulation – Prosecution Defence
  8. Statutory Licence Appeals
  9. Loss of Earnings
  10. Employees Extra Protection – Employee defence in civil proceedings
  11. Crisis Communication Costs (up to £10,000)
  12. Legal/Tax Advice & Counselling Helplines

You will also have access to a ‘free to use’ legal services website, providing assistance in drafting important legal documents such as employment contracts and health and safety policies.

Full Info
Money cover

Cover is provided for loss of business money whilst on the premises during business hours (up to £5,000), whilst in transit (up to £5,000) or whilst contained in a safe outside business hours (up to £3,000). Cover for money kept out of a safe overnight or whilst at the home of a Director is restricted to £500. Cover is also provided for compensation in the event of bodily injury caused by robbery, theft or attempted theft.

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Personal accident for hands

Cover is automatically provided for the Principal, Partners or Directors only in the event of loss of the hand or fingers or loss of use caused by an accident happening to the insured person in connection with the business. The maximum payable under this section is £10,000 per person.

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Products liability

This provides protection against your legal liability for accidental injury to any person or damage to their property arising out of products sold or supplied by your business. The standard limit under the policy is £3,000,000 in any one period of insurance. This standard limit can be increased to £5,000,000 for an additional premium.

There is an excess of £250 in the event of a claim for damage to third party property.

Full Info
Professional Treatment Risk

This provides protection against your legal liability for accidental injury to any person or damage to their property arising out of any treatments undertaken. You will need to hold a UK recognised qualification in any treatments undertaken. Any treatments you undertake must be acceptable treatments to us and included within our standard treatment cover. The limit under the policy is £3,000,000 any one claim.

There is an excess of £250 in the event of a claim for damage to third party property.

Full Info
Public liability

This provides protection against your legal liability for accidental injury to any person or damage to their property arising out of the operation of your business. The standard limit under the policy is £3,000,000 any one claim. This standard limit can be increased to £5,000,000 for an additional premium.

There is an excess of £250 in the event of a claim for damage to third party property.

Full Info
Stock cover

This provides protection for the stock you use or hold for retail purposes against things such as fire, theft or flood. You can select the amount of cover you need but remember to select the maximum amount of cover you would need at any point during the policy period. If you do not select the full amount that you have, insurers may not pay the full amount of any claim you may make.

Cover is provided on a “new for old” basis, even if you purchased some items second hand, you will need to insure for the full new replacement cost.

Please click here for a guide to assist you in assessing your sums insured and if you have any queries or would like to discuss this in more detail, please contact us.

There is an excess of £350 in the event of a claim under this section.

Full Info
24 hour crisis & legal helplines

Cover provided under the legal expenses section includes access to 24 hour crisis, legal, tax advice and counselling helplines for you and your staff.

Full Info

Our Optional Covers Include:

Buildings Cover

If you own the building or are responsible for the insured as part of the terms of your lease, please ensure that the sum insured you enter is adequate to cover your property to be rebuilt from scratch. The figure will need to include the cost of all materials, labour and professional fees to reinstate your property as new. If you are in any doubt as to the rebuild cost of your property, you should seek an independent valuation. Your sum insured must be adequate to reinstate your property as new and if you fail to insure for the correct value, you may not receive a full payment in the event of a claim.

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Personal Accident Cover

Personal Accident cover will provide you with a lump sum payment in the event that you cannot work on a permanent basis or a weekly benefit if an accident results in a temporary injury. Cover is on a worldwide basis and operates 24 hours a day.

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Teaching Cover

Cover for Public, Products and Professional Treatment risk can be extended to provide cover for Teaching or Training. We will need the names of all teachers or trainers working for you.

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Terrorism Cover

Cover can be provided for damage to your stock, landlord’s fixtures and fittings, buildings (if insured), glass and all other contents caused by an act of terrorism. Cover can also be provided for any loss of income following damage caused by terrorism. We are unable to provide Terrorism cover for salons in Northern Ireland.

Full Info

Our Salon Treatments

View Treatments Covered

Barber Shop Treatments

Automatically Covered

  • In respect of washing styling cutting and drying of hair including the use of cut throat razors and hair clippers and trimmers

Beauty Salon Treatments

Automatically Covered

  • Acid peels (only covered if treatment shown on the policy schedule) provided that
    i. full written aftercare instructions are provided to the client
    ii. glycolic and or alpha hydroxyl treatment concentrations do not exceed 40% of the solution
    iii. an allergic reaction has not been diagnosed following fulfilment of an appropriate skin test 24 hours prior to the commencement of such treatment
  • Application of false tanning products including airbrush and spray tanning
  • Application of tooth jewellery
  • Aqua detox
  • Bleaching of superfluous hair
  • Cosmetics and nail extensions
  • Cranio sacral therapy
  • Cutting and shaping of nails applying acrylic coatings
  • Detox foot spa
  • Ear piercing using stud and gun method
  • Eyebrow and eyelash plucking shaping tinting perming and application of false eyelashes
  • Facial masks including ionisation and steaming treatments
  • Hair removal preparations other than electrolysis
  • Henna art
  • Holistic treatments including aromatherapy reflexology bowen technique reiki crystal healing
    stone therapy hopi ear candles indian head massage kinesiology
  • Infra red treatments
  • Makeup including stage makeup
  • Manicures pedicures including paraffin wax
  • Massage including sports massage acupressure manual lymphatic drainage
  • Oxygen treatment
  • Sugaring
  • Threading

Optional Covers

  • Electro-mechanical slimming & toning treatments
  • Hair removal by electrolysis
  • Advanced Electrolysis
  • IPL/Laser/Light Therapy
  • Jacuzzi
  • Microdermabrasion
  • Micro-Needling (max depth 1.5mm)
  • Micropigmentation / Semi-Permanent Makeup / Microblading
  • Nose Piercing
  • Pregnancy Massage
  • Radio Frequency
  • Sauna
  • Sports Massage
  • Steam Bath/Room
  • Solaria & Sun Beds

Hairdressing Salon Treatments

Automatically Covered

  • Application of false eyelashes
  • Application of tooth jewellery
  • Eyebrow and eyelash plucking shaping perming dyeing and tinting
  • Cutting and shaping of nails including application of acrylic coatings
  • Ear piercing by gun and stud method
  • Tinting dyeing bleaching permanent waving or special treatment of hair
  • Use of cut throat razors
  • Use of electrical equipment such as tongs, curlers, straighteners, hairdryers
  • Use of hair clippers and trimmers
  • Washing styling cutting application of hair extensions and drying of hair

Nail Studio Treatments

Automatically Covered

  • Application of nail art
  • Application of nail extensions and nail coatings including varnish
  • Cutting shaping or nails
  • Manicures pedicures including paraffin wax

Tanning Salon Treatments

Automatically Covered

  • Application of false tanning products including airbrush and spray tanning
  • Solaria & Sun Beds

"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

Teacher Or Student Cover

Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an extra optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!

Salon Insurance FAQs

What types of salons can you insure?

We can offer cover for almost all types of salon businesses including:

  • Hair salons
  • Beauty salons
  • Barbers
  • Tanning salons
  • Gyms
  • Toning Studios
  • Clinic

What is the difference between salon insurance and freelance insurance?

If you are self-employed, freelance or mobile insurance is designed to suit you and will just cover your public liability (plus you can choose to add some optional additional covers such as stock and equipment). However, a salon package would cover your entire salon including your liabilities, your staff, your stock and contents, your glass, your loss of profits, stock in transit etc. If you have a premises, you really should choose a complete salon package to ensure you are fully protected.

How much does salon insurance cost?

The cost of your salon insurance can be affected by a number of factors including the level of cover you require, the location of your salon, the length of time you have been trading and your claims history. Typically prices can range from less than £300 per year to more than £1,000 but you will often be able to split this cost in monthly instalments to make paying for your insurance easier.

What does salon insurance cover?

A specialist salon insurance package will provide complete protection for your salon business. Whether you are a hair salon, a beauty salon, tanning salon or nail salon, you need to protect your assets and your customers should the worse happen.  A salon insurance package can include covers such as:

  • Buildings (if you are a freeholder)
  • Salon contents, stock, equipment and glass
  • Money cover
  • Business interruption – covering your loss of profits if your salon was unable to trade
  • Public liability – covering injury to the customers or damage to their property
  • Treatment Risk liability – if one of your customers was injured during a treatment
  • Employers Liability
  • Legal Expenses
  • Personal Accident

What happens if I train in new treatments or therapies?

You will be covered for those treatments that you have told us about and that are shown on your schedule. If you train in new treatments or therapies, please contact us so that cover can be added to your policy.

Am I covered for teaching or training others in my chosen therapies?

This is not included as standard. However, providing you hold a UK recognised teaching qualification, the policy can be extended to include this.

Am I covered if I see clients at home or away from the salon?

Yes, providing you tell us and have this noted on your policy, we will be able to provide cover for you working away from the salon.

What should I do if I think I might need to claim?

You should notify us immediately, even if you only think you might need to make a claim. We are here to help and quick action could mitigate costs or even prevent a claim. Equally, if you have a routine query on which you would like our opinion, we are always happy to help.

You can register your claim online here

What happens if I make a claim?

Salon Gold will help you through the claims process and work with you to get a settlement from the insurer. With our in-depth knowledge of the policy cover and our strong relationships with the insurer, we’re well placed to ensure that you and your business get back to normal as quickly as possible.

Do I need to pay any legal costs up front?

No. The insurers will appoint solicitors, where appropriate, to represent you and will pay them directly. You do not need to make any payments to solicitors.

Do you provide cover if my salon window is broken?

Yes. Your Salon Gold policy will automatically provide cover for glass at an unlimited level. You will have access to a 24 hour glass helpline who will arrange for your window to be boarded and then the glass replaced, any time of the day or night.

Are you authorised by the Financial Conduct Authority?

Yes, Salon Gold is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.

Do you need to see my certificates?

You will only need to produce your certificates in the event of a claim. When you purchase your insurance you are declaring that you have a suitable qualification.

What qualifications are acceptable to you?

Click here to view our qualifications page.

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This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2020 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 https://register.fca.org.uk/. Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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