Beauty Salon Insurance

Beauty Salon Insurance

Get high quality protection without the hefty price tag.

Beauty Salon Insurance by the industry experts

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.

What is beauty salon insurance?

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:

Here at Salon Gold, our packages are tailored towards each individual client’s needs, allowing them to do what they do best without worrying one mistake will be the end of 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
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Based on the information provided we would suggest our Student policy.

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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
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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
No
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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.

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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
No
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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
No
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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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Beauty Salon Insurance Treatments

We 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.

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.

Our Beauty Salon Cover

For Beauty 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 Beauty 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 beauty insurance package.

Mobile beauty

Our beauty insurance packages provide some of the widest covers around.

Freelance covers

Superstars

Katie Godfrey Beauty Expert / Educator Submit your question

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    Beauty Salon Insurance FAQs

    Why do you need beauty salon business insurance?

    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.

    How much does beauty salon insurance cost?

    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.

    When will my beauty salon insurance start?

    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.

    What is included in beauty salon insurance as standard?

    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.

    How do I make a claim on my insurance policy?

    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.

    “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!

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