Hair & Beauty insurance

Hair and beauty professionals typically need a combination of insurance covers to protect against the risks of working with clients, treatments and equipment. This often includes public liability insurance and, if you employ staff, employers’ liability insurance, as the bare minimum.

Depending on the services you offer, your insurance package may also include professional indemnity or treatment risk cover, as well as equipment and stock insurance or premises insurance if you own your salon.

The level of cover you need depends entirely on your business setup and exposures.

Larger businesses generally have higher levels of exposure, so they might require higher levels of contents insurance, for instance.

Our expert brokers will work with you to ensure you have the right hair and beauty insurance in place for your business.

The cost of hair and beauty insurance varies depending on the type of cover you choose and the level of protection required. Factors such as the services you offer, whether you work from a salon or are mobile, and your claims history can all influence the price.

Comparing quotes can help you find cover that suits your business and budget.

If you’re freelance or self-employed, insurance is still important. Public liability insurance is typically essential, as it helps protect you if a client is injured or their property is damaged while you’re working. You may also need product liability insurance or treatment risk cover, as well as insurance for your equipment and stock.

If you work from clients’ homes or multiple locations, we’ll work with you to ensure your policy reflects how you operate.