Hair Salon Insurance | Hair & Beauty Salon Insurance

Insurance for Hair and Beauty Salon Owners

At smei, we understand you’re probably run off your feet managing your hair or beauty business. We can arrange a single, flexible salon business insurance policy that can be adapted to fit your specific requirements.

Whether you run an independent hair salon or barbershop on the high street, a large shopping centre-based salon, or a nationwide chain of beauty parlours, we can arrange a bespoke salon insurance solution especially for you.

Key features and benefits

Premiums from as little as £356.00.**
Quotes from a panel of A-rated insurers.
Single, flexible policy ‒ tailor-made to suit your requirements.
Cover for various hair and beauty treatments and therapies.
Dedicated adviser throughout your policy.
No mid-term amendment fees should you need to make a change.
Access to a 24-hour legal helpline.
Flexible payment options including direct debit.
Access to documents anytime, anywhere via our secure portal.

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03308 281 673

Premiums from as little as

£356

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

50% of our hair and beauty salon customers paid less than £634 per annum.***

Accidental damage.
Book debts/account receivable.
Business interruption.
Contents.
Employers' liability.
Glass.
Money in safe.
Money on premises.
Public and products liability.

Embedded breakdown.
Goods in transit.
Legal expenses.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.

Did you know that smei arranges specialist nail technician insurance? Smei also arranges a host of specialist, professional beauty insurance products.

If you don't own your own salon, we can arrange specific hairdressers insurance and beauticians insurance too.

What Type of Salon Insurance do you Need?

Employers liability insurance

If you employ staff, whether they’re casual, temporary, or permanent employees, it’s a legal requirement to take out employers liability insurance. If you don't, you could face a heavy fine from the Health and Safety Executive.

Salon public liability insurance

No two salons are the same, but you all have one thing in common, you have a duty of care to anyone who enters your premises. For this reason public liability cover is one of the key components of your salon insurance policy.

Public liability insurance protects you if a customer, supplier, or member of the public suffers illness or injury, or damage to their property, because of your negligence. Having public liability insurance for your salon will cover the cost of a claim, plus any associated legal costs.

Treatment liability insurance

A ‘standard’ public liability policy may not cover you if you accidentally injure someone whilst cutting their hair, burn them with straightening irons or cover you for any other mishaps caused by treatments you may provide.

Treatment liability cover is usually an extension of your public liability policy and will specify the treatments being insured. It is important to disclose all treatments to insurers and this is reflected within your policy documentation. If you are unsure if a treatment is covered, our team is here to help answer your questions.

Business premises insurance

Your salon premises are a vital element of your business – without premises, it would be challenging for your business to operate – so you also need building insurance cover, plus protection for your valuable equipment.

Business interruption (BI)

BI insurance provides financial protection should an insured event such as a fire or flood prevents you from trading for a period of time.

Equipment breakdown cover

To ensure the costly machines and equipment vital to your salon can be replaced or repaired should they fail.

Our flexible approach to tailor-made policies and our ability to cater for non-standard risks means we may be able to provide cover for risks that some insurers deem too risky. These can include flat-roofed premises, start-up businesses, and premises that have suffered previous claims due to fire or flood.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 826 policies sold in 2023. 157 customers paid £356.20 or less, which represents 19%. £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.

Unsure as to what beauty business insurance policy you need?

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

0330 1731 691

Salon Insurance FAQs

A hair and beauty salon typically needs several types of insurance to protect the business, its employees, and its customers. Key types of insurance that you should consider are: treatment risk liability, public and products liability, employers liability and business interruption.

Insurance in a beauty salon is essential to protect the business, its assets, employees, and clients from various risks and liabilities. It helps ensure financial stability and peace of mind, allowing you salon to continue operating without financial pressures if the worst should happen. Your specific insurance needs may vary based on the size and scope of your salon's services and treatments.

The cost of salon insurance will vary based on several factors. These include the size and location of your salon, the types of services you offer, the number of employees, your insurance coverage limits, your claims history, and more.

We’ll provide a tailor-made policy which means you’ll only pay for the cover you actually need. For example, multiple options may be available from our panel of insurers ‒ each with differing features and prices. We will present you with the possibilities so you can make an informed decision on which option is most appropriate for you.

Yes. The type of cover you need depends on the type of hairdresser you are. For example, all hairdressers need to have public liability insurance to cover their legal liabilities in the case of damage or injury to clients.

Salon owners will need business interruption cover to ensure they're protected if, for example, fire prevents the business from operating.

Mobile hairdressers may need goods in transit cover to protect business equipment and stock against damage while in transit between customers. If you're unsure of the type or level of cover you'll need, our team will be able to guide you.

Yes, most insurers will require this level of experience. Some insurers may consider less experienced practitioners depending upon their qualifications. Please speak with one of our advisers 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.

Writing a business plan for a salon is an essential step in starting and running a successful salon business. A well-crafted business plan can help you clarify your business concept, secure financing, and guide your salon's growth and operations. Click here to access our free business plan template.