Hair and Beauty Insurance for Salons, Freelancers & Mobile Professionals

Here are some of the covers that may be included:

Hair and Beauty Insurance - Public and Products Liability

Public and Products Liability cover is essential for anyone working in the hair and beauty industry. It protects you if a client or member of the public is injured, or their property is damaged, as a result of your business activities or the products you use or sell. With up to £10 million of cover included as standard, this insurance offers peace of mind whether you operate a salon, work freelance, or offer mobile services. From allergic reactions to slips and trips, this cover ensures you're financially protected against legal claims and compensation costs that may arise.

Here is a link to the Ripe Hair and Beauty website:

Hair and Beauty Insurance - Treatment Risk Cover

Treatment Risk Cover is vital for professionals offering beauty and grooming services. It provides protection if a client suffers an injury or adverse reaction directly resulting from a treatment you’ve carried out—such as waxing, facials, hair colouring, or nail applications. With up to £3 million of cover included, this policy safeguards you against third-party claims and the associated legal costs. Whether you're a barber, beautician, hairdresser, or makeup artist, Treatment Risk Cover gives you the confidence to deliver your services knowing you're protected if something goes wrong.

Hair and Beauty Insurance - Contents, Stock, and Shop Front Cover

This essential cover protects the physical assets of your business, including fixtures, fittings, equipment, stock, and even your shop front. Whether you own a salon, barbershop, or rent a space, you can get peace of mind knowing your workspace and its valuable contents are covered against damage, theft, fire, or other insured events. With protection available for a combined value of up to £250,000, this cover ensures you won’t be left out of pocket if your tools of the trade or shopfront are damaged or stolen.

Here is a link to the Ripe Hair and Beauty website:

Hair and Beauty Insurance - Employers’ Liability

If you employ staff—whether full-time, part-time, apprentices, or even temporary workers—Employers’ Liability insurance is a legal requirement in the UK. This cover protects your business against claims arising from illness or injury suffered by employees while working for you. With cover of up to £10 million, it ensures that you’re financially protected against legal costs and compensation claims, giving both you and your team the confidence to focus on delivering exceptional service.

Hair and Beauty Insurance - Buildings Cover

Protect the physical premises of your salon with Buildings Cover of up to £500,000. This includes not only the main structure but also any outbuildings, walls, gates, and fences associated with your property. Whether you own the building or are responsible for insuring it under your lease, this cover helps ensure that your business is safeguarded against damage from risks like fire, flood, storm, or vandalism—so you can continue operating with minimal disruption.

Hair and Beauty Insurance -Teaching Cover

If you offer training or educational services in hair and beauty, our Teaching Cover provides protection for compensation claims arising from alleged negligence during paid teaching sessions. This cover ensures you're financially protected if a student or trainee claims they suffered a loss due to your instruction. It's an essential safeguard for professionals who share their expertise through courses, workshops, or one-on-one training.

Hair and Beauty Insurance - Money Cover

While we do not offer Hair and Beauty insurance policies directly, we recommend Ripe Insurance, whose specialist cover includes protection for theft of business money—up to £2,500. This ensures that if your cash is stolen from your premises, in transit, or from secure storage, you’re financially protected against the loss.

Here is a link to the Ripe Hair and Beauty website:

Hair and Beauty Insurance - Business Interruption

We recommend Ripe Insurance, who include business interruption protection as part of their Hair and Beauty insurance. This cover helps protect your business against loss of turnover or additional operating costs—up to £500,000—if you're unable to trade due to an insured event, such as fire or flood.

Hair and Beauty Insurance - Legal Cover

We recommend Ripe Insurance, whose Hair and Beauty insurance includes up to £100,000 of legal cover. This can help with the costs of defending or pursuing legal action for a wide range of issues, such as disputes with clients, suppliers, or employees, giving you added peace of mind.

Here is a link to the Ripe Hair and Beauty website:

Hair and Beauty Insurance - Wide Range of Treatments Covered

Hair and beauty professionals offer an extensive variety of services, and it’s important to have insurance that accurately reflects the treatments you perform. Whether you run a salon, work freelance, rent a chair, or operate as a mobile therapist or stylist, your policy can usually be tailored to include the services you offer.

Policies can typically include cover for the following treatments and activities:

✅ Washing, Styling, Cutting and Drying of Hair
✅ Tinting, Dyeing, Bleaching and Permanent Waving of Hair
✅ Hair Extensions
✅ Use of Cutthroat Razors, Hair Clippers and Trimmers
✅ Craniosacral Therapy
✅ Crystal Healing
✅ Dermaplaning
✅ Detox Foot Spa
✅ Ear Piercing (gun and stud method)
✅ Electrolysis (hair removal only)
✅ Endermologie
✅ Eyebrow Treatments
✅ Eyelash Treatments
✅ Facials (including ionisation and steam treatments)
✅ Faradic Treatments
✅ Galvanic Treatments
✅ Henna Body Art
✅ Hot Stone Therapy
✅ Kinesiology
✅ LED Face Mask
✅ Makeup
✅ Manual Lymphatic Drainage
✅ Massage (including sports and pregnancy massage)
✅ Microcurrent
✅ Micro-Needling (max depth 1.5mm)
✅ Million Dollar Facial
✅ Myofascial Release
✅ Manicures and Pedicures
✅ Application of Nail Extensions and Nail Coating
✅ Application of Nail Art
✅ Cutting and Shaping of Nails
✅ Non-Surgical Facelift
✅ Paraffin Wax Treatments
✅ Radio Frequency
✅ Reflexology
✅ Reiki
✅ Sauna
✅ Self-Tanning & Spray Tanning
✅ Steam Room
✅ Su-do Body Art
✅ Sugaring
✅ Sunbed
✅ Threading
✅ Thai Foot Massage
✅ Toning Tables
✅ Ultrasound Treatments
✅ Vacuum Suction
✅ Waxing

This extensive treatment list helps ensure that your business is properly protected, giving you peace of mind whether you work from a salon or on the go.

Here is a link to the Ripe Hair and Beauty website:

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