Salon Insurance

Salon Insurance by industry experts

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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.

We offer great value insurance to all types of salons. Choose your salon type below to find out more about our comprehensive insurance packages.

Salons Hub

Hair Salon

Beauty Salon

Nail Salon

Barber Shop

Tanning Salon

Spas

Salon Insurance Treatments

We provide cover for a wide range of treatments for all types of salons. You will be covered in the event that a treatment you provide causes injury, damage or illness. For example injury caused by a wax burn or a reaction to a hair colour treatment.

You will automatically be covered for all treatments listed under your salon type below providing you hold a suitable qualification for any treatments carried out.

Hair Salon

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.

Beauty Salon

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
Gym equipment*	No	Yes
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
Jacuzzi*	No	Yes
Kinesiology	Yes	No
LED Face Masks*	No	Yes
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
Micro current*	Yes	No
Microblading*	No	Yes
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
Nose Piercing*	No	Yes
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
Sauna*	No	Yes
Self-tanning	Yes	No
Semi-permanent eyelash extensions	Yes	No
Sports massage*	Yes	No
Spray tanning	Yes	No
Steam Bath/Room*	No	Yes
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.

Barber Shop

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

Nail Salon

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.

Tanning Salon

Descriptions of cover	Automatic	Optional
Solaria & Sun Beds in connection with the provision of ultra-violet or infra-red treatment facilities*	Yes	No

* Additional terms apply. Full details available during the quote process.

Our Salon Cover

For Salons

As standard, our salon insurance policies provide some of the widest covers available in the market and policies can be tailored to your own specific requirements.

Salon covers

Our Salon 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

Do you work mobile or freelance? Check out our mobile insurance package.

Mobile insurance

Our insurance packages provide some of the widest covers around.

Freelance covers

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.

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business.

Are you a Student?

Yes

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Based on the information provided we would suggest our Student policy.

Get a quote

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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

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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

Get a quote

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Are you employed by a salon or business owner?

Yes

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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.

Get a quote

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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

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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.

Get a quote

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

Yes

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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.

Get a quote

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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.

Get a quote

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Salon Insurance FAQs

020 8655 0444
info@salongold.co.uk

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 instalments 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.