What is Salon Insurance?
Salon insurance is a specialised insurance policy tailored to protect salon businesses from a wide range of risks. Whether you run a hair salon, nail bar, beauty salon, spa, or barbershop, salon insurance offers a safeguard against common liabilities, property damage, employee accidents, and more.
Designed for the unique needs of the beauty and wellness industry, this type of insurance provides comprehensive cover to ensure that your business, clients, and employees are protected.
Salons Covered by Salon Insurance
Salon insurance is suitable for various beauty and wellness establishments, including but not limited to:
- Hair salons – From traditional barber shops to modern hair studios, hair salons can benefit from coverage against injuries, accidents, and legal claims.
- Nail bars – Nail technicians often use chemicals and sharp tools, which increases the risk of accidents. Insurance helps cover costs arising from such incidents.
- Beauty salons – Services like facials, waxing, and cosmetic treatments may pose health risks. Insurance helps manage the fallout from allergic reactions or other health complications.
- Spas and wellness centres – Spas require additional coverage due to specialized equipment and services that may involve physical risk to clients.
- Mobile beauty businesses – Mobile beauticians and hair stylists can also secure coverage, as salon insurance can be extended to cover off-site services.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
What Does Salon Insurance Cover?
What is Not Covered by Salon Insurance?
Who Needs Salon Insurance?
Salon insurance is essential for any beauty or wellness professional who interacts with clients and provides treatments. It’s recommended for:
- Salon owners
- Self-employed beauticians
- Mobile beauty professionals
- Freelance hairdressers and stylists
- Barber shop owners
- Spa and wellness center owners
Whether you operate a small one-person business or a bustling salon with multiple employees, salon insurance protects your business from unforeseen financial burdens.
How Much Does Salon Insurance Cost?
The cost of salon insurance in the UK varies depending on factors such as:
- Business size – Larger salons with more staff will typically pay more for insurance.
- Location – Salons in high-risk areas may face higher premiums.
- Coverage options – The more comprehensive the coverage, the higher the cost.
- Services provided – Higher-risk treatments like chemical peels or laser hair removal can increase insurance premiums.
- Claim history – Businesses with a history of claims may face higher costs.
On average, salon insurance can range from £10 to £50 per month, depending on these factors. Many providers offer flexible packages, allowing you to choose the level of coverage that best suits your needs and budget.
How to Compare Salon Insurance Quotes
Comparing salon insurance quotes can help you find the best coverage at an affordable price. Here are some tips:
- Compare multiple providers – Use comparison sites to get a broad view of options and prices.
- Consider coverage levels – Ensure that each quote includes the necessary coverage, such as public liability and treatment liability.
- Review exclusions – Look for any limitations or exclusions in each policy.
- Check customer reviews – Consider feedback from other salon owners to gauge the quality of customer service.
- Ask about discounts – Some insurers offer discounts for established salons or those with a no-claims history.
