Salon Insurance

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

Salon Insurance by industry experts

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.

Here at Salon Gold, we’re committed to offering our clients the best deals on their insurance policies. As standard, we offer many comprehensive covers, giving you everything you need as a salon owner.

With prices starting from less than £300 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 a salon insurance quote.

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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 or £10,000,000 for an additional premium.

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

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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.

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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.

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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.

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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 (AHA/glycolic acid). Above 40% to be referred to us for approval
  • Acupressure
  • Advanced waxing
  • Airbrush tanning
  • Application of false tanning products
  • Aqua detox
  • Aromatherapy
  • Ayurvedic Massage
  • Baby massage
  • Bamboo Massage
  • Bikini Hair Colouring
  • Bleaching of superfluous hair
  • Body wraps
  • Bowen technique
  • Chinese Foot Massage
  • Cranio Sacral therapy
  • Crystal healing
  • Detox foot spa
  • Ear piercing using gun and stud method
  • Electrolysis (epilation)
  • Endermologie
  • Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination
  • Eyelash treatments including tinting, lifting, perming and applying false eyelashes
  • Eyelash extensions – semi permanent
  • Eyelash perming and applying false eyelashes
  • Facials including ionisation and steam treatments
  • Faradic treatments
  • Foot Massage
  • Galvanic treatments
  • Henna art
  • Hopi ear candles
  • Hot stone therapy
  • Indian Head Massage
  • Infra-red treatments
  • Kinesiology
  • Lava shell massage
  • Lomilomi massage
  • Make up including day, evening, media, stage, fashion and camouflage
  • Manicure
  • Manual lymphatic drainage
  • “Massage including: Balinese, Bio-dynamic, Body, Deep Oscillation, Facial, Hand, Hands Free, Hawaiian, Holistic Facial, Korean Hand, Mongolian. Russian Honey, Slavic, Swedish, Thai Hand, Thai Herbal Compress, Thai Tui-Na Massage”
  • Microcurrent
  • Myofascial Release
  • Nail cutting, shaping, varnishing, nail art, nail extensions, coatings cured using a UV or LED lamp
  • Non-surgical facelift
  • Oxygen treatments
  • Paraffin wax
  • Pedicure
  • Pejazzle
  • Power Plates
  • Pregnancy Massage
  • Reflexology
  • Reiki
  • Self tanning
  • Semi-permanent eyelash extensions
  • Spray Tanning
  • Sports massage
  • Su-do Body Art
  • Sugaring
  • Thai Foot Massage
  • Threading
  • Toning Tables
  • Tooth jewellery
  • Ultrasound
  • Vacuum suction
  • Vajazzle
  • Vibro Plates
  • Warm bamboo massage
  • Waxing

Optional Covers

  • Advanced Electrolysis
  • Dermalogica Bio Surface Peel
  • Dermalogica Pro Power Peel
  • Dermaplaning
  • Gym Equipment
  • Intense Pulsed Light (IPL) Variable Pulse Light (VPL), Intense Flash Light (IFL), Light Heat Energy (LHE), Advanced Fluorescent Technology (AFT), Lasers
  • Jacuzzi
  • LED Face Masks
  • Microdermabrasion
  • Micropigmentation / Microblading
  • Microneedling
  • Million Dollar Facial
  • Nose Piercing
  • Radio Frequency / Cavitation
  • Sauna
  • Steam Bath/Room
  • Teaching or Training

Hairdressing Salon Treatments

Automatically Covered

  • Washing, styling, cutting, application of hair extensions and drying of hair
  • Tinting, dyeing, bleaching or permanent waving of hair
  • Special treatment of hair including chemical straightening conditioning treatments up to 0.2% formaldehyde
  • Eyebrow treatments including plucking, shaping, tinting, threading, waxing, HD Brows, henna and lamination
  • Eyelash treatments including tinting, lifting, perming and applying false eyelashes
  • Cutting and shaping of nails including application of acrylic coatings
  • Application of tooth jewellery
  • Ear piercing by gun and stud method
  • False eyelashes, including semi-permanent eyelash extensions
  • Use of electrical equipment such as tongs, curlers or straighteners
  • Use of cut throat razors, hair clippers and trimmers

Nail Studio Treatments

Automatically Covered

  • Application of nail extensions and nail coatings including varnishes and coatings cured using a UV or LED lamp
  • Application of nail art
  • Cutting/shaping of nails
  • Manicures and pedicures including paraffin wax

Tanning Salon Treatments

Automatically Covered

  • Solaria & Sun Beds in connection with the provision of ultra-violet or infra-red treatment facilities

What is salon insurance?

Salon liability insurance is typically obtained as a package and includes various covers. At Salon Gold, our exhaustive packages help to keep your salon business protected at all times.

Public liability insurance is the foundation of salon insurance policy, and safeguards you should your work activities cause injury or property damage to a third party. Seeing as you’ll be in contact with your customers whenever you’re in your salon, public liability cover is critical. Meanwhile, product liability insurance protects you if a product you use or supply causes personal injury to a client, whereas treatment risk helps you out financially if a treatment goes wrong. We also offer cover for legal expenses, personal accident and cover for your shop glass, stock and contents while you may also need some of our optional covers.

Here at Salon Gold, our packages are always tailored towards our clients’ needs, enabling them to get the insurance that’s right for their business.

Do you work on a freelance basis? Check out our mobile hair and beauty 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.

"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

How much does insurance for a salon 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 installments to make paying for your insurance easier.

What does salon business 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, or even a barber shop or spa, you need to protect your assets and your customers should the worst happen. A salon insurance package can include covers such as:

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

What is the difference between salon insurance and freelance insurance?

If you are self-employed, freelance or mobile, our dedicated mobile and freelance insurance is designed to suit you and will just provide public liability and treatment risk insurance (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 and stock in transit, among other things. If you have a premises, you really should choose a complete salon package to ensure you are fully protected.

How do I make a claim on my insurance policy?

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.

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 that will arrange for your window to be boarded and then the glass replaced, any time of the day or night.

What does employer’s liability insurance cover?

Employer’s liability insurance covers any compensation claims made against you by your employees if they’ve been injured or fallen ill due to something that you’ve done or failed to do. As well as covering any compensation awarded, this type of salon insurance also protects you against any other associated costs and expenses, such as legal help. It is a legal requirement for any salons that employ people, and you can be fined up to £2,500 for each day that you don’t have it.

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