Public liability and treatment cover built for beauty salons, covering the treatments, therapists and retail products that come with running a salon.
Public liability and treatment cover built for beauty salons, covering the treatments, therapists and retail products that come with running a salon.
Allergic reactionsRetail product salesTherapist cover
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Beauty salon insurance is a combination of covers built around offering beauty treatments, public liability for injury or damage, treatment liability for claims arising from a treatment, and employers’ liability for your therapists.
One policy. Multiple risks. An allergic reaction, a burn from a treatment, or an injury on your premises can all lead to a claim, whatever treatments you offer.
The right beauty salon cover depends on:
Types of treatments offeredNumber of treatment roomsNumber of employed or self-employed therapistsWhether you own your premisesStock value and turnoverClient-facing reception area
Cover that fits the way you treat
Cover that fits the way you treat
Treatments, therapists and retail products bring their own everyday risks.
Treatments, therapists and retail products bring their own everyday risks.
RecommendedTreatment Liability
Protection if a treatment causes a client physical harm.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedPublic Liability
Protection if a client or visitor is injured or their property is damaged.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you trading.
OptionalStock & Equipment
Cover for treatment equipment and retail stock.
OptionalProduct Liability
Protection against claims arising from products you’ve sold or used.
What could go wrong in a beauty salon?
What could go wrong in a beauty salon?
Most beauty salon claims come from an allergic reaction to a treatment, a burn or skin damage, a therapist injury, or a product sold that causes harm.
Most beauty salon claims come from an allergic reaction to a treatment, a burn or skin damage, a therapist injury, or a product sold that causes harm.
This type of business insurance may suit you if you offer beauty treatments.
The right cover depends on:
Independent beauty salonsSalons with self-employed therapistsAesthetics and skin clinicsSalons with multiple sitesSalons offering mobile treatments tooSalons with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
An allergic reaction, a client slip, a therapist injury and a product liability claim are the four beauty salon scenarios insurers see most. Each responds to a different cover.
An allergic reaction, a client slip, a therapist injury and a product liability claim are the four beauty salon scenarios insurers see most. Each responds to a different cover.
Allergic reaction
A client reacts badly to a treatment.
Potential cover
Treatment Liability
Customer injury
A client slips or trips in the salon.
Potential cover
Public Liability
Staff injury
A therapist is injured using equipment.
Potential cover
Employers’ Liability
Product liability claim
A product you’ve sold or used causes harm.
Potential cover
Product Liability
There’s no fixed price. The treatments you offer matter most, advanced or invasive treatments carry higher risk than nails or brows.
Types of treatments offered
Some treatments carry higher risk than others.
Retail products sold
Selling skincare or beauty products can affect your product liability needs.
Number of staff
More employees, including therapists, increase your employers’ liability exposure.
Level of cover
Adding a higher treatment liability limit increases your premium.
Number of treatment rooms
More rooms and equipment increase your contents cover needs.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting beauty salon insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting beauty salon insurance takes four steps: tell us about your salon, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your salon
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.
Beauty salon insurance guides
Beauty salon insurance guides
Allergic reactions, self-employed therapists and retail product sales.
Allergic reactions, self-employed therapists and retail product sales.
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.
Beauty salon insurance FAQs
Beauty salon insurance FAQs
Straight answers on cover, treatments and cost.
Straight answers on cover, treatments and cost.
Beauty salon insurance is a combination of covers built around offering beauty treatments: public liability for injury or damage, treatment liability for claims arising from a treatment, and employers’ liability for your therapists.
Still have questions?
Our advisers are here to help you find the right solution.
