Compare shop/salon quotes
If you run a shop or a salon and know the covers you require, it’s quick & easy to compare quotes from a selection of insurers on our website.
Get a self-employed quote
If you run a mobile business without a shop or rent a chair in a shop or a salon, it’s also quick & easy to compare contractor quotes on our website.
Call us on: 0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
What does beautician insurance cover?
A comprehensive beautician insurance policy combines several types of protection under one tailored package. Here’s what that typically includes, whether you’re a salon owner or a mobile beautician:
Public liability insurance
Contractor public liability insurance covers your duty to clients and members of the public for accidental injury or damage to their property. For example, contractor public liability would cover you if you accidentally knocked over a customer's vase and it smashed on the floor while working at their property.
Treatment insurance
In addition to having liability insurance in place, having specific treatment insurance is essential for beauticians. No matter how careful you are, clients could still experience allergic reactions, burns, infection, or skin irritation following a treatment. This cover will protect you if specific treatments cause this. Informing us of all treatments you carry out allows us to classify them and ensure you’re protected for them:
- Non-invasive treatments that could be covered: manicures, pedicures, eyelash tinting, threading, waxing, facials (non-chemical), massages, and more
- Invasive treatments that could be covered: semi-permanent makeup, microblading, laser/IPL, micro-needling, tattoo removal, dermal fillers, Botox, and more.
Whatever treatments you offer, this cover is a must-have for reassuring clients that your work is professionally covered and protecting yourself in the event that anything ever goes wrong.
Employers' liability insurance
If you have staff, then you have a legal obligation to protect them against injuries whilst they are at work. That's why employers' liability insurance can be added to your contractor insurance to protect you should you have to pay compensation for an injury to an employee caused by your business activities.
Contents & stock insurance
It doesn’t matter whether you work out of a salon, your home, or are mobile – as a beautician, your equipment and products are essential to your business, so insuring them with contents insurance is vital.
- It will protect your insured contents and stock (if you sell products) from the likes of fire, malicious damage, extreme weather, or robbery.
- Your broker will be able to guide you as to which level of cover is right for you to ensure your essentials are covered, however and wherever your business operates.
- It could cover things like massage tables, wax pots, skincare products, lasers and more.
Business Interruption Insurance
Business Interruption Insurance
Business interruption cover can also be incorporated to protect your turnover should you suffer damage at your premises that would affect your ability to trade.
Buildings insurance
This is a must-have insurance cover if you operate a beauty salon, as it protects the building your business operates from. However, mobile and self-employed beauticians may also want to consider business building insurance, if you do have a location where you store your equipment. This covers structural damage caused by storms, fire, flood or vandalism.
- Protects your property and investment by covering the cost of repairing or replacing the damaged property
- Can include permanent fixtures like signage and treatment rooms
Cyber & data insurance
You might not think you need cyber insurance as a beauty therapist, but if you store customer data, have a website, or use an online booking system, you’re at risk and should have the right cover in place. It covers the risk of data breaches, hacks or ransomware attacks.
- Essential for salons or mobile beauticians using booking systems or storing client data
- Helps manage client communications and financial recovery in the case of a breach
Personal accident insurance
If you're working alone, you should consider personal accident cover as part of your contractor insurance. In the event that you injured yourself at work, this cover can provide you with a weekly benefit to tide you over while you are unable to work.
Cover for mobile beauty therapists
If you’re a mobile beautician offering treatments in clients’ homes or rented spaces, your risks are different. A typical mobile beautician insurance policy could include:
- Public liability cover for client injuries or property damage on location
- Treatment cover for portable services like waxing or facial
- Protection for kits and equipment carried between appointments
- Cover for tools in transit between client locations
- Personal accident cover if injury stops you from working
You may also want to explore our mobile hair & beauty insurance if you offer combined services. Depending on your particular business, your policy could include even more or fewer covers – our brokers work with you to find the right solution.
Cover for beauty salons
Running a beauty salon means juggling treatments, appointments, staff, and health & safety. Our insurance packages can be built around your salon’s size and services. These are the typical covers you should expect from a comprehensive beauty salon insurance package – but our brokers can adapt this to fit your business perfectly:
- Public and employers’ liability insurance for client and staff protectio
- Treatment liability cover for complex or specialist beauty services
- Buildings, contents and stock cover
- Business interruption insurance for closures due to damage or disasters
- Cyber insurance for those managing bookings and client data digitally
Mobile, salon & self-employed at a glance
Not sure what cover fits your setup? This quick comparison highlights the common risks and types of protection often needed by different types of beauty professionals:
| Feature | Option 1 | Option 2 |
|---|---|---|
| Mobile Therapist | On location injuries, equipment in transit, tool theft | Public liability, treatment cover, contents in transit |
| Beauty Salon Owner | Staff injury, property damage, legal disputes | Public & employer liability, buildings, contents, treatment, legal, cyber |
| Self-employed/home-based | Client injury, tool damage, liability claims, lost income | Public liability, contents, treatment liability, personal accident |
Why choose Premierline?
We're contractor insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Compare shop/salon quotes
If you run a shop or a salon and know the covers you require, it’s quick & easy to compare quotes from a selection of insurers on our website.
Compare shop/salon quotes
If you run a shop or a salon and know the covers you require, it’s quick & easy to compare quotes from a selection of insurers on our website.
Get a self-employed quote
If you run a mobile business without a shop or rent a chair in a shop or a salon, it’s also quick & easy to compare contractor quotes on our website.
Call us on: 0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Our customer reviews and testimonials
“They gave a brilliant explanation of the services provided. They took the time and spoke clearly when I asked questions. I would definitely be happy to highly recommend Premierline.”
Hairdresser
Customer since January 2025
Our independent customer reviews
Beauty salon insurance FAQs
What insurance do I need as a self-employed beautician?
At a minimum, you’ll need public liability, treatment liability, and tools cover. You may also want personal accident insurance.
Is public liability insurance compulsory for beauticians?
Not by law – but it’s essential. It protects you if a client claims injury or property damage due to your services, and no matter how careful you are, accidents and injuries can always happen.
Can I get insurance as a mobile beauty therapist?
Yes, of course. We can tailor policies for mobile beauticians, ensuring you and your equipment are protected while travelling between clients.
Does my salon policy cover freelancers renting a room?
Not always. Chair renters or freelancers should usually have their own public liability and treatment cover in place.
How can I prove I’m insured?
We’ll provide you with all of your policy documents once your insurance is arranged. You can use this to confirm your insurance with third parties, such as suppliers, regulators, or landlords, if requested.
Is beauty insurance worth the cost?
Yes. Even a small claim could cost thousands or put you out of business if you don’t have protection in place. Insurance protects your reputation, finances and ability to keep trading.
Do I need cyber insurance if I don’t sell online?
If you store client data, take bookings or use digital payment systems, cyber cover is still highly recommended. You don’t need to have an online shop to be at risk of cyber threat – our expert brokers can explain why it’s important for your business as a beautician and help you get the right cover in place.
Speak to a beauty therapist insurance expert
We have many years of experience arranging beauty therapist insurance and are here to arrange the right protection for your business. Our insurance advisors are on hand to assist you with your requirements for the duration of your policy. We make arranging your insurance simple and hassle-free.
If you don’t need advice you can compare quotes online in just a few minutes or alternatively speak to our advisors for professional recommendations and advice tailored to your needs.
Compare shop/salon quotes
If you run a shop or a salon and know the covers you require, it’s quick & easy to compare quotes from a selection of insurers on our website.
Get a self-employed quote
If you run a mobile business without a shop or rent a chair in a shop or a salon, it’s also quick & easy to compare contractor quotes on our website.
Call us on: 0333 320 6009
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
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