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Mobile beauty insurance

Join over 2,500 mobile beauticians like you with cover from £3.19 per month*

Get tailored quotes in 7 minutes

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Mobile beautician manicuring a clients nails in clients house

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Rated 4.7/5

Based on 39,717 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why do you need mobile beautician insurance?

Your entire brush collection stolen. A spillage on your client’s dress. It’s easily done, but insurance for beauticians, built specifically around your risks, is designed to keep you up and running if something goes wrong. From public liability cover for accidents and injuries to insurance for your tools and products, it’s all under one policy.

  • protection from damaging claims for accidents and injuries
  • cover for your kit and products plus your laptop if you use it for work
  • pay monthly or for the whole year depending on what works best for you

Start your quote

What does mobile beauty therapist insurance cover?

Whether you’ve got years of experience or just finished up at college, your clients are relying on you for care, expertise and attention to the tiniest detail. Use our cover options to set up expert mobile beauty insurance, pay monthly if you need to, and add in cover for an employee or two if you grow into a bigger team.

Public liability insurance for mobile beauty therapists

In case you or your employee injure someone or damage their property.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property
  • injuries caused by your business activities, or products you sell
  • accidental damage or injuries caused by your employee(s), if you have any

For example:

  • a client has an allergic reaction to a moisturiser you’re using, during a treatment
  • you drop a tub of bronzer on your client’s beige carpet, causing a deep stain
  • a customer cuts their hand on a faulty makeup case they bought from you

What you’ll need additional cover for

  • do you have a salon? If so, you’ll need buildings cover to protect your business premises. Start a new quote and choose ‘beauty salon’, instead of ‘mobile beautician’
  • If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case something happens to an employee while they’re working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that comes as a result of working for you (including temps and casual workers)

**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:

  • your assistant burns her skin while using a new product you’re both sampling
  • your trainee beautician falls down the stairs in a client’s house, breaking her arm

Beauty tools insurance

In case your makeup and treatment tools are lost, stolen or damaged.

What’s typically covered by beautician tools insurance??

-- your beautician equipment, like your handheld tools or portable electronics

  • theft or accidental damage while your tools are on a client’s premises, or in transit (in the UK, and in a vehicle you own or lease)

For example:

  • your manicure equipment is stolen during a break-in at your business premises
  • your brushes kit is stolen from a wedding venue while you’re helping the bride get ready

Read more about tools insurance

Stock insurance

In case the products you rely on are lost, stolen or damaged.

What’s typically covered by stock insurance?

  • loss, damage or theft of the essentials you keep in stock – or the collection you’ve built up

For example:

  • you’re travelling to a venue and leave your products case on the train, meaning you’ll need to replace everything the same day
  • your new stock of wax and spray tan are stolen from your business premises

Read more about stock insurance

Business and office equipment insurance

In case something happens to equipment you use to run your business.

What’s typically covered by business and office equipment insurance?

  • theft of the equipment you use to run your business, like your phone or laptop
  • accidental loss of your equipment
  • flood, fire or accidental damage

For example:

  • the laptop you use to manage your bookings schedule is stolen from your car while you’re parked at a client’s house
  • you accidentally drop and smash an expensive glass display case, on your way to an event

Read more about business and office equipment insurance

Legal expenses insurance

In case legal costs hit your beauty business.

  • legal costs associated with day-to-day operations, like an employee dispute
  • property damage, nuisance or trespass and associated legal costs
  • HMRC, tax and compliance issues, if they come up
  • includes a tax advice helpline, a 24/7 confidential legal helpline and crisis PR support to help you protect your reputation as a highly recommended beautician

For example:

  • you run into a dispute with your client, who claims you haven’t fulfilled the contract
  • a Christmas temp you’ve hired brings a case against you for unfair dismissal

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident at work or elsewhere.

What’s typically covered by personal accident insurance?

  • injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • lost income, hospital bills or other medical costs associated with the accident

For example:

  • you break your foot on a night out and have to take a month off work
  • your Christmas temp burns their hands on hot wax while working, and needs a week off work

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does mobile beautician 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

Start your quote

10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

Example mobile beautician insurance quotes, real prices

axa insurance

£8.06 /month

£60.59 /month

A mobile beautician specialising in eyebrow tinting/shaping and false eyelash application

  • 2-3 years' experience
  • Sole trader
  • No employees
  • Based in Luton
  • Public liability


  • Employers’ liability

    Not included

  • Stock

    Not included

maltings insurance

£26 /month

£231.13 /month

A small mobile beautician company performing a range of treatments, including pedicures, electrolysis and eyebrow tinting/shaping

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Coventry
  • Public liability


  • Employers’ liability


  • Stock


How we work out example quotes These examples are real quotes from our online system (created 10/09/2020). 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



Employers' liability

No excess

No excess







Business and office equipment



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

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

Simply Business

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Compare policies from a range of trusted insurers

Buy online or over the phone in minutes

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.

Can I just cover my most expensive beauty tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my beauty equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does mobile beautician 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 mobile hairdresser insurance or makeup artist insurance?

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

0333 043 8527


Contact us on our website whenever suits you


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


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. 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 mobile beauty therapist insurance through Simply Business has saved beauticians thousands of pounds when the unexpected happened.

Lottie saved more than £5,400

Following a waxing treatment, Lottie (not her real name) received a letter from her client, saying they’d received severe burns. Her beauticians’ insurance covered the associated costs.

  • Insurance payout


    Covering the cost of public liability

  • Lottie’s costs


    The excess amount stated in Lottie’s policy terms

Chosen by 900,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,717 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Mobile beauty insurance FAQs

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 mobile therapist insurance, from paying monthly to working from home. You can also check out our business insurance FAQs.

  • A waxing accident can be covered by the public and product liability cover in your mobile beauty insurance policy, from burns and other injuries to property damage resulting from a spillage.

    Claims can run into thousands of pounds for an injury or serious property damage – for example, if you dropped hot wax onto an expensive rug or handbag – so check the level of cover you need. A Simply Business policy provides between £1 million and £10 million in product and public liability cover.

  • Even if you’re all set up at home and don’t often travel for work, your business still faces specific risks.

    Public liability insurance is a popular cover for many home businesses, as it can protect you from a claim if someone is injured or their property gets damaged while they’re with you. Lots of businesses also choose to add tools, business equipment and stock cover, for the essential items they keep with them at home.

    You’ll also still need employers’ liability insurance if you employ anyone – for example a temp you hire during the busy wedding season or an assistant. It’s usually a legal requirement, so don’t leave it out, even if you’re based at home.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • 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

Helpful articles for mobile beauticians

Salon stylist giving a customer a consultation

24 Sep 2014 • 3-minute read

How to start a hair and beauty salon in the UK

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