Beauty therapist insurance
It's such a relief to have cover for a slip on the floor, a hacker plundering your email list or even that once-in-a-lifetime mistake. Some might even call it a thing of beauty.
Beauty therapist insurance quote
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.
10% of beauty therapists paid £5 a month or less for their Superscript business insurance between January and March 2023.
- Choose £1m, £2m, or £5m public liability cover
- Change or cancel anytime, no fees
- Optional employers' liability, personal accident and equipment cover
- Pay monthly
What insurance do beauty therapists need?
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.
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.
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.
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.
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.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
Beauty therapist claims
The way people offer treatments – and the environment you're offering them in – is different from person to person, meaning the types of accidents and claims you could experience will differ, too. But here are a few examples of claims where the business could be liable.
A customer suffers an allergic reaction to a product used during a facial and needs medical attention. Product liability would cover the legal and compensation costs.
An injured employee
An employee accidentally trips over a wire that was on the salon floor and hurts their back. Employers' liability would cover the legal and compensation costs.
A break in
A burglar breaks into your salon at night through the locked door, stealing cash, a laptop and stock. Building, contents and stock cover would replace what was taken.
A hacker accesses your systems, taking customer emails and affecting your sales. Cyber cover would reimburse the lost income and compensation to customers.
How do claims work?
You make a claim
Log in to your online account and go to the ‘Make a claim’ section. There, you can make a claim directly – there's no need to call us.
We'll ask you for some details about your claim, including a crime reference number (if applicable), the date of loss, type of claim and its detailed description.
You can also attach any relevant supporting documentation like proof of loss or proof of purchase.
We'll get on the case
Once submitted, your claim will be assessed.
If the claim is large, we may need more information from you. Or, if it's small, our team may be able to settle it within a couple of days (or hours, in some cases).
Either way, we'll keep you regularly updated and you'll be able to see the status of your claim on our customer portal.
Your claim is settled
After it's been assessed, we'll let you know if your claim has been successful or not.
If items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you.
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 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 therapists 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.
I own a beauty salon, can you cover this?
Yes – if you need insurance for your beauty salon, check out our beauty salon insurance page, which gives more details about our comprehensive and tailored offering.
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.
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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.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.