Beauty therapist insurance

Beauty therapist insurance quote

From£
5.13
per month

Customisable cover for beauticians

Only pay for the cover you need, when you need it. Whether you're looking for standalone public liability insurance, or additional protection for employees, personal accidents or your equipment, build a flexible policy that you can adapt, as and when things change.

  • Choose £1m, £2m, or £5m public liability cover
  • Change or cancel anytime, no fees
  • Optional employers liability, personal accident and equipment cover
  • Pay monthly

Set up your beauty therapist insurance in less than 10 minutes

Change or cancel it at any time. No fees.

What insurance do beauty therapists need?

1

Public liability insurance

The most popular cover for many businesses, public liability insurance offers financial compensation in the event that a client, or any other non-employee, takes legal action against you for injury or property damage caused by your work.

2

Contents and equipment cover

Salon furniture isn't cheap, and electrical equipment that's being moved around and used day in, day out is likely to get damaged or broken at some point. A no-brainer for any business with specialised equipment, contents and equipment insurance covers the cost to repair or replace accidentally damaged contents and equipment.

3

Employers liability insurance

If you employ a team, employers liability cover is a legal requirement for businesses in the UK - regardless of whether your team is made up of temporary or part-time staff.

5

Personal accident cover

If you have employees, this will pay compensation if they suffer an accident resulting in loss of sight, hearing, speech or a limb, death or leaving them disabled and permanently unable to work.

5

Cyber insurance

You may be surprised to see this one on the list, but cyber insurance is relevant to any business that stores personally identifiable information.

As a beauty business, you'll likely store information about your clients in your database, such as names, email address and even birth dates. This could make you the target of data theft, or result in someone accidentally breaching GDPR legislation by sending out a company email to people who haven't officially opted in to receive them.

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Beauty therapist insurance FAQs

How much does beauty therapist insurance cost?

This depends on the level and types of cover you choose for your business. Our public liability cover starts from £5.13 per month.

Do self-employed beauticians have to get insurance?

While most insurance is optional rather than mandatory, most self-employed professionals opt for public liability at the very least, as an accidental injury to a client could result in devastating costs.

Do beauty salons have to get insurance?

Most insurance is optional rather than mandatory. An exception to this is employers liability cover, which is a legal requirement for anyone with employees. Despite this, the majority of businesses that have lots of contact with clients consider public liability an essential, as many would be unable to afford an uninsured claim.

Can you cover mobile beauty therapists?

Yes, our public liability insurance can cover mobile beauty therapists.

Does your public liability cover treatments?

Our insurance covers you for bodily injury to your client arising out of a broad range of treatments. You'll be able to check these during the quotation process.

Will my equipment be covered if it's stored in my car, while traveling to and from appointments?

Yes, if you have contents and equipment cover, your equipment will be covered while in transit.

Customise your cover

To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Select from:

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Select from:

Management covers

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Select from:

Boost your cover from £10.08 per month

Commercial legal protection

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.