Hair Salon Insurance From The Leading UK Experts
Get premium insurance protection, without the hefty price tag.
Hair Salon Insurance by industry experts
Hairdress to Impress
Hairdressing has never been just your job – it’s also always been a passion. You saved until you finally managed to open up a hairdressing salon all your own. You put in hours trying to find the right stylists. And you built up regular clients who came back regularly to their favourite stylist.
Then one day, this stylist decides to leave, taking a chunk of your clientele with them. You treated them well but apparently that didn’t seem to matter. It leaves you devastated and you wonder if there is anything you can do to protect yourself from this ever happening again.
The good news is Salon Gold can help in this situation. If you have a Hair Salon insurance policy with us and have included the relevant wording in the stylist’s employment contract, our legal expenses cover will pay your legal fees to sue them for breach of contract.
Make the right decision for your hair salon. Buy your salon insurance with us today.
Which type of Salon Gold policy do I need?
Find out which insurance policy is right for your business by clicking below.
Our automatic covers include:
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.
Full InfoThis 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.
Full InfoIf 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.
Full InfoProvides 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.
Full InfoCover is provided for up to £500 per day following accidental failure of public supplies of electricity, gas or water at the salon.
Full InfoCover is provided for up to £250 per day following accidental failure of the supply of telecommunications services at the salon.
Full InfoProvides 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.
Full InfoProvides 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.
Full InfoThis is a comprehensive legal expenses package providing £100,000 of cover in any one period of insurance for the following:
- Employment Disputes
- Employment Compensation Awards
- Restrictive Covenant Disputes
- Representation for Tax Investigations and VAT assessments
- Property Disputes
- Legal Defence
- Compliance and Regulation – Prosecution Defence
- Statutory Licence Appeals
- Loss of Earnings
- Employees Extra Protection – Employee defence in civil proceedings
- Crisis Communication Costs (up to £10,000)
- 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.
Full InfoCover 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.
Full InfoCover 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.
Full InfoThis 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.
Full InfoThis 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.
Full InfoThis 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.
Full InfoThis 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.
Full InfoCover provided under the legal expenses section includes access to 24 hour crisis, legal, tax advice and counselling helplines for you and your staff.
Full InfoOur Optional Covers Include:
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.
Full InfoPersonal 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.
Full InfoCover 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.
Full InfoCover 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.
Full InfoOur 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
"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!
Insurance FAQs
Do hair salons need insurance?
Salon insurance is essential for any hairdressing salon. Without specialist insurance, you would be left to foot the bill in the event of any loss or damage to your property or any compensation claim made against you.
It is not only claims for compensation, what would happen if your hair salon was destroyed by fire and was unable to trade? The bill for replacing all your fixtures, fittings, stock and equipment could be huge, not to mention your loss of profits for the time you were unable to trade. Again, your hair salon insurance could come to the rescue here.
What insurance does a hair salon need?
There are many different types of insurance needed by a hair salon. For example:
- Insurance for your building, fixtures, fittings, contents, stock and equipment
- Glass cover
- Business Interruption protecting your loss of profits if you were unable to trade
- Money cover
- Public liability cover in case anybody is injured in your salon
- Treatment risk liability to protect against injury to customers during a treatment – hair colour reaction for example
- Legal expenses insurance
- Employer’s Liability
- Business interruption cover will protect your profits in the event that you were unable to trade following a loss.
How much does hair salon insurance cost?
Hair salon insurance costs vary depending upon the level of cover you require. Prices start at approximately £250 per year and rise to more than £1,000 for larger salons or salons with high sums insured or lots of staff. You can often spread the cost of your hair salon insurance across the year by opting to pay monthly for the cover.
