Salon Insurance

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.

Salon Insurance

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

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 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.

Beauty Salon

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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
Gym equipment*NoYes
Henna body art*YesNo
Hopi ear candlesYesNo
Hot stone therapyYesNo
Indian head massageYesNo
Infra-red treatmentsYesNo
Jacuzzi*NoYes
KinesiologyYesNo
LED Face Masks*NoYes
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
Micro current*YesNo
Microblading*NoYes
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
Nose Piercing*NoYes
Oxygen treatmentsYesNo
Paraffin waxYesNo
PedicureYesNo
Pejazzle*YesNo
Power plates*YesNo
Pregnancy massage*YesNo
Radio frequency & cavitation*NoYes
ReflexologyYesNo
ReikiYesNo
Sauna*NoYes
Self-tanningYesNo
Semi-permanent eyelash extensionsYesNo
Sports massage*YesNo
Spray tanningYesNo
Steam Bath/Room*NoYes
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.

Barber Shop

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

Nail Salon

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.

Tanning Salon

Descriptions of coverAutomaticOptional
Solaria & Sun Beds in connection with the provision of ultra-violet or infra-red treatment facilities*YesNo
* Additional terms apply. Full details available during the quote process.

Superstars

Caroline Sanderson Hair Salon Owner / Business Coach Submit your question

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    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.

    Go

    Are you a Student?

    Yes
    No
    « back

    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
    No
    « back

    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
    No
    « back

    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
    « back

    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
    « 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.

    Get a quote
    « back

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

    Yes
    No
    « back

    Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

    Get a quote
    « 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.

    Get a quote
    « back

    “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 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 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.

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