A guide to insurance for beauticians and salons

What insurance do beauticians and salons need?

Getting the right business insurance covers as a self-employed beautician or salon owner may seem complicated, but it doesn’t have to be! In fact, beauticians and beauty businesses in the UK generally only need to think about four or five types of business cover:

1

Public liability insurance

Public liability insurance covers your liability to members of the public for accidental bodily injury or damage to their property.

2

Equipment insurance

Equipment insurance (also known as business contents insurance) covers accidental damage to business equipment (including portable electronic equipment) belonging to you or your employees anywhere in the UK or temporarily worldwide.

3

Employers' liability insurance

Employers’ liability insurance (if you have any employees) covers your business’s liability to employees for work-related sickness or bodily injury.

4

Personal accident insurance

This cover may pay a benefit if someone working for the business suffers an accident, leaving them disabled and permanently unable to work.

5

Cyber insurance

And potentially cyber insurance too, which is more relevant to larger beauty businesses holding lots of client information, Personally Identifiable Information (PII) or Personal Health Information (PHI). It covers your liability for processing data and costs associated with a data breach or security failure.

Beauticians and salons insurance guide

Find out more about insurance for beauticians and salons, the risks it covers and what to look out for in a policy.

Which insurance protects salon employees?

Employers’ liability insurance protects your business in the event that an employee seeks compensation as the result of injury or damage to their property while working. Personal accident cover provides a benefit if someone working for the business suffers an accident resulting in loss of sight, hearing, speech or a limb, death or leaving them disabled and permanently unable to work.

Is insurance a legal requirement for beauty businesses?

Whether your business is a nail bar or a hair salon, if you have any employees at all (temporary, part-time or full-time), it’s a legal requirement in the UK to have employers’ liability insurance in place. This is the only business insurance which is actually a legal requirement and not having it when you need it can result in fines of up to £2,500 for each day you don’t have it. It’s also important to make sure that your employers’ liability certificate is visible either at your salon or online. Not doing this can result in a fine of £1,000.

Do mobile beauty businesses need insurance?

Many of the risks faced by mobile beauty businesses (e.g. the risk of injuring a client or their property) remain the same whether you’re working at a set business premises or as a mobile business. For this reason, if you’re a mobile beautician, you’ll still want to consider public liability insurance, tools and equipment insurance and employers’ liability insurance.

How much is insurance for a beauty business?

This very much depends on your needs as a business (e.g. things like how much of each cover you select, how many employees you have and the treatments you carry out). However, to give you a ballpark idea, Superscript beauty customers tend to spend under ÂŁ10 a month* for their cover.

Things to look out for when getting insurance for your beauty business

  • Treatment exclusions
  • Where you are insured to work (including other countries, if relevant to you)
  • Cover extending to temporary employees

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