Beauty Therapist Insurance

Here are some of the covers that may be included:

Beauty Therapist Insurance - Public and Products Liability

Public and products liability insurance is a crucial form of protection for anyone working in the beauty therapy industry. It covers you if a client or member of the public suffers an injury—or their property is damaged—as a result of your treatments or the beauty products you use or sell.

Whether you operate a salon, rent a treatment room, or work as a freelance or mobile beauty therapist, this insurance helps protect you from potentially costly legal claims. From allergic reactions to skin treatments to slips and trips during appointments, liability insurance ensures you're covered. Policies typically include up to £10 million of cover, giving you the confidence to deliver your services safely and professionally.

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

Beauty Therapist Insurance - Treatment Risk Cover

Treatment risk insurance is vital for beauty therapists offering hands-on services such as facials, waxing, massage, eyebrow tinting, microdermabrasion, and other skin or body treatments. It provides protection if a client suffers an injury or adverse reaction directly resulting from a treatment you have carried out.

Whether you work in a beauty salon, rent a room, or operate as a mobile or freelance beauty therapist, this cover is essential to protect your business from third-party claims and unexpected legal costs. With up to £3 million of treatment risk cover typically available, you’ll have peace of mind knowing you're financially protected if something goes wrong during or after a session.

This insurance ensures that your beauty therapy business remains secure, allowing you to focus on delivering exceptional client care with confidence.

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

Protecting the physical assets of your beauty business is essential to keeping your treatments running smoothly. Contents and stock insurance for beauty therapists covers vital items such as treatment couches, trolleys, mirrors, skincare machines, beauty tools, and product stock—including cosmetics and consumables. It also includes cover for fixtures, fittings, and your shop front.

Whether you own a salon, rent a space, or work as a self-employed therapist from home, this insurance offers peace of mind against risks like fire, theft, vandalism, and accidental damage. With cover available for up to £250,000, it helps ensure you won’t face unexpected financial losses due to damage or theft of your essential equipment and supplies. Ideal for salon owners and mobile beauty therapists alike, this policy protects the tools you rely on to deliver exceptional service.

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

Beauty Therapist Insurance - Employers’ Liability

If you employ staff in your beauty salon—whether full-time, part-time, apprentices, or temporary workers—Employers’ Liability Insurance is a legal requirement in the UK. This vital cover protects your business if an employee suffers an illness or injury while carrying out their duties.

With cover of up to £10 million, it safeguards your salon against legal costs and compensation claims, helping ensure your business remains compliant and financially protected. Whether you're running a busy salon or managing a small team of therapists, Employers’ Liability Insurance offers peace of mind for both you and your staff—so you can focus on providing exceptional beauty treatments with confidence.

Beauty Therapist Insurance - Buildings Cover

Safeguard your beauty salon premises with Buildings Insurance offering cover up to £500,000. This protection applies to the main salon structure as well as any attached outbuildings, walls, gates, and fencing. Whether you own your salon or are required to insure it under the terms of your lease, this cover protects your business from damage caused by fire, flood, storms, vandalism, and other insured risks.

Maintaining a safe and operational treatment space is vital to your business. Buildings insurance ensures that if the worst happens, you’ll be supported with the financial means to repair or rebuild quickly—helping minimise disruption to your services and client appointments.

Beauty Therapist Insurance -Teaching Cover

If you offer beauty therapy training—whether through courses, workshops, or one-on-one instruction—Teaching Cover provides vital protection against claims of negligence during paid educational services. This insurance safeguards you if a student or trainee alleges they experienced a loss or injury as a result of your professional guidance.

Whether you're a qualified beauty therapist sharing your expertise or running a beauty training academy, this cover offers peace of mind by covering legal costs and compensation associated with such claims. It's an essential addition for those who educate the next generation of beauty professionals.

Beauty Therapist Insurance - Money Cover

Protecting your income is just as important as protecting your tools and treatments. While we don’t offer Hair and Beauty insurance policies directly, we recommend Ripe Insurance, whose specialist cover includes theft of business money—with protection of up to £2,500.

Whether cash is stolen from your treatment room, during transit, or from secure on-site storage, this cover ensures you're financially protected against unexpected losses, helping you maintain business continuity and peace of mind.

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

Beauty Therapist Insurance - Business Interruption

Unexpected disruptions can put your business on hold—but with the right cover, you won’t be left out of pocket. We recommend Ripe Insurance, whose Beauty Therapist Insurance includes business interruption protection of up to £500,000.

This cover helps safeguard against loss of turnover or additional running costs if you’re unable to trade due to insured events such as fire, flood, or storm damage. Whether you work from a salon, at home, or provide mobile treatments, this protection gives you financial peace of mind while you get back on your feet.

Beauty Therapist Insurance - Legal Cover

Running a beauty business involves more than just treatments—legal issues can arise unexpectedly. We recommend Ripe Insurance, whose Beauty Therapist Insurance includes up to £100,000 of legal expenses cover.

This protection can help cover the costs of defending or pursuing legal action, such as disputes with clients, suppliers, landlords, or employees. Whether you're a self-employed therapist, work in a salon, or provide mobile services, legal cover gives you added peace of mind—so you can focus on your clients without worrying about unexpected legal costs.

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

Beauty Therapist 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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