Public liability, treatment and premises cover built for salons, therapists and wellbeing practitioners of every kind.
Public liability, treatment and premises cover built for salons, therapists and wellbeing practitioners of every kind.
What kind of hair, beauty or wellbeing business do you run?
Treatment liabilityProduct liabilityEquipment cover
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Speak to a specialist 0330 027 0996
How can we help?
How can we help?
I know my profession
Find insurance built around your specific type of business.
I know the cover I need
Explore common types of business cover, including treatment liability.
I’m not sure what I need
Tell us about your business and we’ll recommend the right cover.
Find insurance for your business
Find insurance for your business
Choose your business type below, or search above for something more specific.
Choose your business type below, or search above for something more specific.
Hair & Barbering
Beauty & Aesthetics
Which cover does your business need?
Which cover does your business need?
Only employers’ liability is a legal requirement. Treatment liability is the cover most salons and therapists build their policy around.
Only employers’ liability is a legal requirement. Treatment liability is the cover most salons and therapists build their policy around.
| Type of insurance | Legally required? | Who needs it? |
|---|---|---|
Yes, if you employ staff | Required once you take on any staff, even casual help | |
Not legally required | Strongly recommended if clients visit your premises | |
Treatment liability insurance | Not legally required | Covers claims that a treatment caused a client physical harm |
Not legally required | Recommended if you sell or use products during treatments | |
Professional indemnity insurance | Not legally required | Covers you if advice you gave a client causes them a financial loss |
No | Covers your salon equipment, fixtures and stock | |
Not legally required | Covers the structure itself if you own your premises outright | |
No | Helps cover lost income if an insured event stops you trading | |
No | Recommended if you hold client booking or payment data |
Top Tip
Most salons and therapists build their policy around treatment liability first, then add public liability and product liability once they know what services and products they offer.
Mobile, chair rental or your own salon?
Mobile, chair rental or your own salon?
How you work matters as much as what you offer. Mobile therapists, chair renters and salon owners each need cover built around a different arrangement.
How you work matters as much as what you offer. Mobile therapists, chair renters and salon owners each need cover built around a different arrangement.
Starting Out
Just gone self-employed? Treatment liability is the essential first cover.
Chair Rental & Mobile
Renting a chair or working mobile? Cover still needs to be your own.
Growing Salon
Taken on your first employee? Employers’ liability becomes a legal requirement.
Established Business
Managing multiple sites or staff? Talk to an adviser about combined cover.
There’s no fixed price. It depends on the treatments you offer, staff numbers and whether you own or rent.
Types of treatments offered
Some treatments carry higher risk than others.
Level of cover
Higher treatment liability limits increase your premium.
Number of staff
More employees increase your employers’ liability exposure.
Mobile or premises-based
Working from a fixed salon can carry different risk to mobile work.
Whether you own or rent
Owning your premises adds buildings insurance to consider.
Claims history
A clean claims record helps keep premiums down at renewal.
What are you looking to protect?
What are you looking to protect?
What could help:Public Liability
Learn more
We help salons, therapists and wellbeing practitioners find the right combination of cover, not just the cheapest single policy.
The right cover depends on the treatments you offer and whether you work from a salon or mobile.
Specialist treatment liability insurersAccess to 20+ UK insurersExperienced UK-based advisersCover tailored to your specific treatmentsSupport with complex or high-value coverHuman support when you claimHow the quote process works
How the quote process works
Simple steps. Expert advice on the cover your business actually needs.
Simple steps. Expert advice on the cover your business actually needs.
Tell us about your business
The treatments you offer, and whether you have staff.
Choose your covers
Treatment liability, public liability and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Hair, beauty and wellbeing insurance guides
Hair, beauty and wellbeing insurance guides
Treatment liability, chair rental and cover that follows you between salons.
Treatment liability, chair rental and cover that follows you between salons.
Mobile Beauty Therapist Insurance: From Treatment Risks to Public Liability
Working as a mobile beauty therapist in the UK comes with a distinct set of risks that are not always present in salon-based businesses. Providing treatments in clients’ homes, transporting valuable equipment, and working across multiple venues can all create challenges that require tailored insurance solutions.
Salon Equipment & Contents Cover: Protecting Tools, Stock & Premises
Running a successful hair or beauty salon involves significant investment in equipment, specialist tools, premium stock, and carefully designed premises. Protecting these valuable assets can be essential for ensuring long-term stability and peace of mind.
Do You Need Insurance If You’re a Self-Employed Beauty Therapist?
Running a beauty therapy business from home offers flexibility, privacy and lower overheads. But even within a home-based setup, risks still exist. From allergic reactions to accidental burns or equipment issues, clients could make claims that disrupt your business and finances.
Public Liability Isn’t Enough: The Covers Most Beauty Therapists Forget About
Running a beauty therapy business means more than delivering flawless treatments. Whether working from home, visiting clients, or renting a salon chair, beauty therapists face unique insurance risks that go beyond the basics. One of the most common oversights? Believing public liability insurance is all that is needed.
Why One Small Beauty Treatment Can Lead to a Big Claim
In the beauty industry, routine often feels safe. A lash tint here, a wax treatment there but all it takes is one unexpected reaction or accident to trigger a costly claim.
Self-Employed or Renting a Chair? What Insurance You Need in a Beauty Salon
For many in the beauty industry, working as a self-employed professional or renting a chair in a salon provides flexibility and freedom. However, without the right beauty salon insurance, there could be financial risks if something goes wrong.
Public Liability or Employers’ Liability: Which Cover Fits Your Salon?
Running a beauty salon comes with responsibilities, not just for your clients’ looks, but for their safety and your team’s wellbeing too. Beauty salon insurance helps protect against things that could go wrong, from customer injuries to treatment issues. Knowing the right type of cover could make a real difference if an incident happens.
Beauty Salon Insurance UK: Why It’s Worth It
Running a beauty salon means more than delivering great service. It also means thinking about what could go wrong. From a client slip to a treatment gone wrong, things can happen that may lead to legal action or lost money. That is where beauty salon insurance comes in.
Top 6 Salon Insurance Add‑Ons: Equipment & More
Running a hair or beauty salon in the UK can involve managing valuable equipment, providing complex treatments, and ensuring customer safety in a busy environment. Standard salon insurance policies may not fully cover the unique risks faced by salons without carefully selected add-ons.
Hair, beauty and wellbeing insurance FAQs
Hair, beauty and wellbeing insurance FAQs
Straight answers on cover, treatments and cost.
Straight answers on cover, treatments and cost.
It’s a combination of covers built for salons, therapists and wellbeing practitioners: public liability for injury or damage, treatment liability for claims arising from a treatment, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
