Beauty salon insurance
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Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
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.
Public liability insurance for beauty salons
In case someone gets injured or their property gets damaged as a result of your beauty salon business.
Employers’ liability insurance
In case your employee gets sick or injured due to the work they do for your beauty salon.
Buildings insurance
In case something happens to the premises where you run your beauty salon.
Stock insurance
In case something happens to the products you sell or the materials you keep at your beauty salon.
Contents insurance
In case something happens to your business and office equipment.
Legal expenses insurance
In case you’re faced with legal costs in the day-to-day running of your beauty salon.
Personal accident insurance
In case you or anyone you've covered has an accident.
Business interruption insurance
In case your beauty salon is unable to trade for a period of time.
Public liability insurance for beauty salons
In case someone gets injured or their property gets damaged as a result of your beauty salon business.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage caused by you to someone else’s belongings while they’re at your beauty salon, or as a consequence of a product you’ve sold to them
- injury caused by you to someone else while they’re at your beauty salon, or as a consequence of a product you’ve sold to them
- accidental damage or injury caused by your employee (remember, if you have employees, you must have employers' liability insurance – it’s a legal requirement)
For example:
- a customer suffers an adverse reaction to a mask you’ve applied during a facial
- you sell a beauty product that injures someone, such as a hairbrush with metal bristles that hurts the customer’s foot when they accidentally step on it at home
- your receptionist spills nail varnish over a customer’s designer handbag, so the customer is holding you responsible for the cost of a new one
Read more about public liability insurance
Employers’ liability insurance
In case your employee gets sick or injured due to the work they do for your beauty salon.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- staff members (including permanent employees, temporary staff and casual workers) suing you for damages because they suffered an injury as a result of working for you
- employees becoming ill as a result of the work they do for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- while carrying out a waxing consultation, your trainee beauty therapist suffers an allergic reaction to a chemical in the body oil you’ve chosen to use at your salon
Buildings insurance
In case something happens to the premises where you run your beauty salon.
What’s typically covered by building insurance for salons?
- damage to the fixtures and fittings in or on your business premises, as well as the underground pipes and cables you’re responsible for as the owner of the salon
- flood, fire, accidental damage, malicious damage
- the cost of repairing damage to the structure of the building (or in the worst case scenario, rebuilding it from the ground up)
For example:
- you need to rebuild your beauty salon following a fire or flood
- you arrive at the salon one morning to see that graffiti has been sprayed all over the shop front, so you need to get it removed by a professional
What you’ll need additional cover for
- tenants' improvements – e.g. you’ve personally arranged and paid for changes to the structure of your beauty salon, such as partition walls or wooden flooring – you’ll need to cover these things separately to insure them against damage
Read more about buildings insurance
Stock insurance
In case something happens to the products you sell or the materials you keep at your beauty salon.
What’s typically covered by stock insurance?
- the cost of replacing your stock (i.e. the beauty products you keep at your salon to sell to customers) if it’s lost, stolen or damaged
- the cost of replacing the materials you use while carrying out consultations if they’re lost, stolen or damaged
For example:
- there’s a burglary overnight at your beauty salon, and all your masks, peels, manicure and pedicure kits, lotions and nail varnishes are stolen from your display cabinet
Read more about stock insurance
Contents insurance
In case something happens to your business and office equipment.
What’s typically covered by contents insurance?
- accidental damage to the business equipment you use at your beauty salon, including furniture
- theft of your business equipment
- flood, fire, and accidental damage to your business equipment
For example:
- your tablet computer, your laptop, and the mobile phone you use for taking bookings are stolen from your beauty salon, so you need to replace the items
- your salon furniture, your product display cabinets, and the TVs in your waiting room are damaged by water after a pipe bursts in the building
Read more about business and office equipment insurance
Legal expenses insurance
In case you’re faced with legal costs in the day-to-day running of your beauty salon.
What’s typically covered by legal expenses insurance?
- the cost of resolving tax and compliance issues
- the cost of resolving disputes with salon employees
- support from experts over the phone – such as public relations guidance in times of crisis, and helplines for tax and legal advice to help you control the damage to your salon’s reputation
- legal claims and associated costs to do with property damage, nuisance or trespass
For example:
- you need help dealing with tax enquiries because HMRC has decided to investigate your tax affairs, or because your salon has been selected at random for an audit
- an employee is alleging unfair dismissal, so you need to defend your legal rights
Read more about legal expenses insurance
Personal accident insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
- claims due to injury or death – whether at work or outside of work – for anyone you’ve named in your policy
- lost income, medical costs and hospitalisation benefit
For example:
- you trip over a customer's bag on the floor of your salon and break your wrist as you fall
- you shut your hand in the car door and break two fingers, so you’re unable to carry out your usual beauty treatments for several weeks
Read more about personal accident insurance
Business interruption insurance
In case your beauty salon is unable to trade for a period of time.
What's typically covered by business interruption insurance?
- loss of income following a fire, flood, theft, or accidental damage that forces you to close up for a while
For example:
- your beauty salon suffers extensive water damage due to a leak in the bathroom and you have to redecorate, so you can’t carry out any consultations for a month
Read more about business interruption insurance
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 £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 Sep 2021 - 31st Feb 2022). Most customers pay more than this but some pay less.
Example beauty salon insurance quotes, real prices
£52.26 /month
£464.52 /year
A small beauty salon with 2 fully qualified employees offering a range of services based on the high street
- 1-2 years' experience
- Limited company
- 2 employees
- Based in Swansea
Public liability
£2,000,000
Employers liability
£10,000,000
Contents & Stock
£5,000
£84.24 /month
£748.81 /year
A medium sized beauty salon with 5 fully qualified employees based in a shopping centre and provide treatments away from the business premises.
- 5+ years' experience
- Limited company
- 5 employees
- Based in Stoke-on-Trent
Public liability
£5,000,000
Employers’ liability
£10,000,000
Contents & Stock
£10,000
How we work out example quotes These examples are real quotes from our online system (30/03/2022). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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
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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.
Is public liability enough for third party property damage?
Does Beauty salon insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Is public liability enough for third party property damage?
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about buildings and contents.
Does Beauty salon insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider massage insurance or mobile beauty insurance?
Do I need cover for other types of work?
If you provide these services, make sure you’re covered:
Other Covers
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
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
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. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
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.
Insurance payout
£9,764.51
Covering the cost of the claim
Louise’s costs
£100
The excess amount stated in Louise’s policy terms
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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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