Beauty salon insurance

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Woman having a manicure in a beauty salon

Why do you need beauty salon insurance?

A break-in overnight, an allergic reaction to a face peel, an electrolysis appointment gone wrong. Most beauty salons want to protect themselves against unwelcome surprises such as these – and that’s what beauty salon insurance is for. It means reassurance for you, your employees, your beauty business, and your customers.

  • Cover against legal and medical costs due to mistakes, accidents, injury and property damage
  • Peace of mind for you, your employees and your customers
  • Protect what you’ve invested in , such as salon fixtures, fittings and equipment


What does beauty salon insurance cover?

If you employ people at your salon, employers’ liability insurance is a must. And for many salon owners, public liability insurance is essential too. There’s a range of covers to choose from, so as the person who knows your salon best, you pick what goes into your policy.


How much does beauty salon insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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Example beauty salon insurance quotes, real prices

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What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Stock

£100

£500

Contents

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

Pick what goes into your policy

Get prices from a range of insurers

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

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Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

Having beauty salon insurance through Simply Business has saved beauty salon professionals thousands of pounds when the unexpected happened.

Louise saved more than £9,700

When a customer complained about hair damage due to harmful substances, Louise (not her real name) didn’t have to panic. She’d taken out beauty salon insurance to manage the risk in case this issue ever happened to her, and her policy covered the expense.

Beauty salon insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about Beauty salon insurance. You can also check out our business insurance FAQs.

When your work involves contact with members of the public, there’s always a risk that you (or the products you sell) could injure someone or damage their belongings by accident. That’s why public and product liability insurance is an important type of cover for those who run a beauty salon.

And remember, if you’ve got employees working for you at your beauty salon, you’re required by law to take out employers’ liability insurance.

Are you responsible for the salon premises itself? If so, it’s important to know that you’ll also need to buy building cover.

There’s also a risk that the beauty equipment and tools you’ve invested in could get stolen or damaged, so contents cover is an optional extra that’s worth considering too.

If you’re renting a beauty room in a salon, you don’t need building insurance, but you will want to consider public and product liability insurance. It’s designed to protect you against claims due to accidentally injuring someone else or damaging their belongings.

And it’s essential to know that if you have employees (such as an assistant or apprentice), you’re legally required to have employers’ liability insurance.

Other types of insurance you might find useful include:

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions


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