Hair & beauty insurance

At a minimum, most hair and beauty professionals need public liability insurance and, if you employ staff, employers’ liability insurance.

Depending on what you offer, your policy may also include treatment risk cover, professional indemnity, equipment and stock insurance, or premises insurance if you own your salon.

The right combination depends on your setup and exposures; whether you are salon-based, mobile or freelance and the treatments you provide. Our brokers can help you work out what you need.

The cost of hair and beauty insurance depends on the type of business you run, the treatments you offer, the number of staff you employ and the level of cover you choose. A freelance professional with basic liability cover will typically pay less than a salon owner who needs premises, contents and employer cover.

Comparing quotes is the quickest way to find cover that fits your budget.

Public liability insurance and treatment risk cover are typically the starting point. Public liability protects you if a client is injured or their property is damaged. Treatment risk cover protects you against claims from a treatment going wrong.

You may also need product liability insurance, portable equipment cover, and insurance for your stock. If you rent a chair, the salon’s policy won’t usually cover you — so your own insurance is essential.

Salon insurance covers businesses that operate from fixed premises. This typically includes the building, contents, equipment and employer/public liability. Mobile hairdressing insurance is designed for professionals who travel to clients, focusing on portable equipment cover, public liability across varying locations and treatment risk.

Both can include treatment liability and product liability, but the property and premises elements are different. You can explore salon options through our barber and hairdressing insurance page, or mobile cover through mobile hairdressing insurance.

Yes. If you rent a chair, you’re operating as a self-employed professional and the salon’s insurance won’t usually cover your work. You’ll need your own public liability insurance at a minimum, and treatment risk cover is strongly recommended. Many salons require proof of insurance as a condition of your rental agreement.