Beautician Insurance | Self-employed Beauty Insurance

Insurance for Beauticians

We provide cover for beauty salons, beauty businesses and individual self-employed beauticians. Most beauty businesses are unique, from operating within your own salon, to running a mobile beauty service, or renting a chair or room in a salon.

Whatever type of beauty business you run, your clients expect care and expertise.. So for their protection and your own reputation, you need adequate beauty business insurance for your business in case something goes wrong.

Key Features and Benefits

Premiums from as little as £356***.
Single, flexible policy.
Policies include up to £5 million for public and product liability.
Cover for various treatments and therapies.
A tailor made policy to suit your requirements.
Cover whether working from a salon, your own home, or a client's premises.
Access to a 24-hour legal helpline.

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Premiums from as little as

£356

In the past 12 months our customers have paid as little as £356 per annum for beauty and beautician insurance. That’s just £7 per week!

50% of our beautician customers paid less than £1028 per annum.***

What Type of Beautician Insurance do you Need?

Whether you’re freelance, self-employed, or run a mobile business, we can arrange a tailored beautician insurance policy to suit your specific requirements. If you prefer to purchase your salon insurance online, we also have an online platform available. Our beauticians insurance cover can include:

Employers liability insurance

Employers liability insurance may be a legal requirement if you employ staff for your beauty business, whether on a casual, temporary or permanent basis.

Property Damage

The equipment necessary to run your beauticians or beauty business do not come cheaply. By getting the right insurance, you're covered should your tools become damaged or are stolen.

Product liability insurance

If your client suffers an allergic reaction from one of your treatments or a product you have sold, product liability cover will provide protection in the event of a claim.

Public liability insurance including treatment liability

Our beauty insurance policy typically covers technicians with a minimum of two years’ experience, unless supervised. We can only arrange cover for the treatments you’re qualified to carry out.

Regardless of your level of skill and expertise, accidents do happen. A misjudged temperature setting on hot wax could leave your client with a nasty burn, while equipment left on the floor could cause somebody to trip and hurt themselves.

For these reasons and many more, having beauty public liability insurance cover is a vital part of your insurance. It protects you should a client, member of the public, or supplier suffer illness or injury, or their property become damaged - as a result of your negligence.

We can also provide bespoke beauty therapist insurance, mobile beauty insurance and salon insurance.

If you run a mobile business, you’ll also need cover any vehicles you use

What's Insured?

Our beauty insurance covers can be tailored to suit the type of beauty business you run:

Rent-a-chair or Mobile Trader Cover**

Employers liability.
Goods in transit.
Most standard beauty treatments.
Public liability.
Tool cover (theft from unattended vehicles).
Business equipment.

Beauty Salon Owner Cover***

Accidental damage.
Book debts/account receivable.
Business interruption.
Contents.
Employers liability.
Glass.
Legal costs and expenses.
Business equipment.

Beauty Treatments Covered Under our Beauty Insurance Policy

Please note this list is not exhaustive – refer to your policy document for full details.

Exfoliation treatments.
Eyebrow shaping/Threading/Tinting.
Eyelash tinting/Extensions.
Facials.
Make-up application.
Manicures.
Massage.
Nail extensions.
Pedicures.
Waxing.
Aromatherapy.
Body wraps.
Holistic therapies.
Skin Camouflage.

Not sure what insurance you need?

Call us to discuss what kind of cover you need, our friendly team is always happy to help.

Get in Touch

03308 281 673

* Click here to view our pricing disclaimer.

** If applicable, mobile and fixed location cover may differ dependent upon insurer.

*** Data compared from 39 policies sold in 2023. 14 customers paid £356 or less, which represents 36%. £7 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Beautician Insurance FAQs

Say a client slips on a freshly mopped floor – you’ll need public liability to cover any claims they make against you. What if your client has a reaction to one of your treatments or a product you use? You would need product liability to protect you. Imagine if your spray tanning machine or wax pot suddenly stop working, you would need tools and equipment cover to pay for the cost of replacements.

Yes, most insurers will require this level of experience. Some insurers may consider less experienced beauticians depending upon qualifications held. Please speak with one of our advisors to discuss further.

As long as you have the required qualifications and accreditations to carry out your treatments, our insurers will be happy to offer you a quotation. We won't ask to see a copy of them, but you may be asked to provide them in the event of a claim.

Yes. For the protection of your clients and your own reputation, you need suitable beauty business insurance in case something goes wrong.

Beauty therapists often have additional qualifications to be able to provide more advanced treatments. The appropriate beauty therapist insurance cover will provide protection for those treatments. Beauticians insurance cover is usually for most standard treatments.

The main types of insurance are public and products liability, however each business is different so it’s worth discussing your needs with an insurance broker to make sure you don’t have cover that isn’t needed, and on the other hand you aren’t missing out on vital protection for your business.