Beauty Therapist Insurance: Salons & Mobile Beauticians

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.

This is an essential part of any beauty insurance package if you employ staff.

Employers' liability insurance is legally required if you employ staff, including juniors or apprentices – whether that's in a salon or part of a mobile business model.

• Covers compensation claims if an employee is injured due to their work
• Supports legal defence and medical costs

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 provides financial support if you can't trade due to an insured event, such as fire, flood, or vandalism, that damages your business premises. If your business can't operate, for example, if your salon has had a fire, this type of cover will offer some peace of mind.

• Helps cover lost income and fixed costs during closure
• Supports continuity while you recover or relocate
• Needed if you operate from a fixed premises, like a salon

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

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

Whether you're a salon owner, mobile therapist or self-employed beautician, your ability to work is vital to your income. If you're injured and unable to work, personal accident cover helps protect your livelihood.

• Offers a financial safety net while you recover from an accident
• Helps cover household bills and business expenses during downtime
• Particularly useful for self-employed beauty therapists who can't afford time off