Beauty salons aren’t only about outer beauty – they’re born of a passion for making people feel good about themselves. However, all it takes is one mishap during a procedure for it to all go bottoms up. What if you accidentally burn a client’s skin with an IPL or laser? How do you handle a client seeking compensation?
Because we know that accidents are a part of life, we only offer a beauty salon policy that has full treatment liability cover as standard. This means, even if the worst does happen, you’ll be covered by your policy, so one accident doesn’t have to mean the end of your dream.
Alternatively, if you’re looking for freelance and mobile beauty insurance, we will likely be able to cover you.
Insurance provided by a Standard & Poor’s A (Strong) rated insurer.
We’ve been working with businesses like yours for over 40 years.
Tailor-made insurance policies, made for specialists, by specialists.
Beauty salon insurance is normally bought as a package containing a number of different insurance covers. At Salon Gold, our comprehensive packages help to protect your beauty salon business, no matter the situation. As standard, we offer cover for public liability, product liability, treatment risk, business interruption, stock, contents and legal expenses to name but a few; all of which are crucial covers for those in the beauty industry.
Public liability insurance is a cornerstone of any insurance policy, and protects you should your work activities cause injury or property damage to a third party. Considering you’ll be in contact with your customers at almost all times in your salon, public liability cover is a must-have. Meanwhile, product liability insurance covers you if a product you make or supply causes personal injury to a client, whereas treatment risk safeguards you financially if a treatment goes wrong. Other essential covers, included as standard are legal expenses, employers’ liability and cover for your stock, contents and glass at the salon.
You can also add four optional covers to your beauty salon policy:
Find out which insurance policy is right for your business.
Are you a Student?
Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?
Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.
Get a quoteAre you employed by a salon or business owner?
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 quoteDo you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?
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 quoteDo customers visit you at home for their therapy or treatment?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.
Get a quoteBased 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 quoteWe provide cover for a wide range of treatments in the beauty industry. 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.
You will automatically be covered for all treatments listed below providing you hold a suitable qualification for any treatments carried out.
| 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 |
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 coversThe 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 pageDo you work mobile or freelance? Check out our mobile beauty insurance package.
Mobile beautyOur beauty insurance packages provide some of the widest covers around.
Freelance covers
All Salon Gold policy holders have access to our Salon Gold Superstars.
They’re on hand to answer your questions and offer advice.
Insurance is essential for any beauty salon. What would you do if your salon was broken into and your equipment stolen? Or perhaps there was a fire at the salon and everything was destroyed and you were unable to trade?
Without the protection of specialist beauty salon insurance, you would need to replace your equipment and fund your loss of profits yourself. However, with a beauty salon insurance package, your insurer will be on hand to do this on your behalf, helping to keep you out of the woods financially.
Insurance protection is also vital if a member of the public or a customer sues you for causing them injury or property damage. The costs of this can run tens of thousands of pounds, which, without insurance, you’d need to pay yourself.
The cost of your beauty salon insurance will depend on various factors, including how experienced you are, your claims history, how much cover you need and how secure your salon is.
Your salon is protected from the second you take out an insurance policy with Salon Gold. You don’t need to wait around for any documents as you’ll be covered instantly.
A Salon Gold beauty salon insurance package includes public liability, product liability, treatment risk, stock, contents, glass, business interruption and legal expenses. Our policies provide all the covers you need as standard. You can also add some optional covers to your policy if you would like cover for your buildings, teaching, personal accident or terrorism insurance.
If you think you need to make a claim on your insurance policy, get in contact with us right away. We will help you through the claims process and work with you to get a settlement. You can also visit our Make a Claim page to start the process.
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
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 hairdresser, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!
