Beauty salon insurance Beauty salon insurance

Give your policy the royal treatment with customisable cover for your salon. Get fully covered in just 10 minutes and enjoy 5-star customer service and claims support.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

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Beauty salon insurance quote from £17.62 a month

10% of beauty salon businesses paid £17.62 a month or less for their insurance between January and March 2023.

Why buy beauty salon insurance?

Your beauty salon is no doubt bustling with clients coming in for all kinds of treatments and you may even have a team of talented beauticians behind you. While this is great for business, if an accident or incident happened and someone made a claim against you, it could leave you out of pocket if you didn't have the right insurance in place.

At Superscript, we know your business grows and changes all the time, that's why we make it easy to get exactly the right cover that you can tweak at any time.

  • Pick the covers you need, leave the ones you don't
  • Enjoy 5-star customer service and claims support
  • Add or remove covers and adjust your limits, with no extra fees
  • Pay monthly or annually, it’s your choice

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.

What covers do beauty salons need?

1

Public liability insurance

The most important cover for businesses that regularly get people through their doors, public liability insurance covers the legal and compensation costs if someone who isn't an employee suffers an accidental injury or property damage. This could include customers, suppliers, couriers and tradespeople.

Our public liability insurance includes specific treatment cover – you'll be asked to select the types of treatments you offer when getting your quote and we'll add this cover to your policy.

2

Employers' liability insurance

For most businesses in the UK, if you employ anyone, from full-time and part-time staff to temporary workers or contractors, employers' liability cover is a legal requirement.

If you employ people without this type of cover, you could be fined up to £2,500 for every day you don't have it.

3

Building, contents and stock cover

Whether you lease a space or own your own salon, all your specialist equipment and salon furniture doesn't come cheap. On top of this, you'll need tech, such as laptops and phones, to take appointments and store your customers' information securely.

If your salon is targeted by burglars or gets damaged by an incident such as a fire or flood, this type of cover would pay financial compensation to repair or replace what was stolen or damaged.

  • Buildings cover up to £750,000, contents cover up to £100,000 and stock cover up to £100,000
  • Cover for portable equipment up to £10,000, with a single item limit of £2,500
  • Cover for certain accidental damage to your building or buildings, including floods
4

Commercial legal protection

Sometimes, legal affairs like tax enquiries or disputes are unavoidable. If this happens and you don't have an in-house legal team, it can really help to have professional support and expertise. This type of cover provides the advice and counselling services necessary to cover commercial legal affairs.

5

Cyber insurance

If you store customers' data, you might want to consider adding cyber insurance to your policy. It's designed to protect you if you suffer a data breach or theft or if you or an employee accidentally breaches GDPR legislation.

If you also take card payments from customers, cyber insurance would cover your business if private card data is breached. If you use an electronic payment card system, this should be PCI DSS compliant to reduce the risk of these types of data breaches.

6

Accident and sickness cover

Accident and sickness insurance comes in three parts to cover workers aged between 16-69.

Firstly, it’s designed to provide financial support for up to 50 weeks if you or an employee goes on long-term sick leave. It can also provide financial assistance for up to 180 nights if you, or an employee, were hospitalised.

And finally, a lump sum benefit of up to £50,000 can be paid out if you or an employee suffers a serious injury or up to £25,000 in the unfortunate event that an insured person dies.

Additional covers

On top of these options, we also offer a bunch of other covers to boost your policy and give you the perfect protection for your business.

Business interruption

Cover for lost income due to physical damage to your property such as a flood.

Shop front

Cover if your shop front is damaged, including the glass.

Terrorism

Cover if there is interruption to your business caused by terrorism.

Theft by an employee

Cover for theft of stock or contents, including money, by employees.

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. Read our guide to understanding your policy documents.

We cover a range of treatments

From massages to facials, your beauty salon will no doubt have a menu of professional beauty treatments on offer.

Within our beauty salon insurance, there are some treatments that we can cover, and some we can't. For those we cover, you'll be able to get a quick policy online.

Treatments we cover:

  • Massages, both facial and body
  • Manicures and pedicures including polish, gel polish, nail art and acrylic extensions
  • Hair removal by threading, plucking, waxing, sugaring or epilation
  • Ear piercing with a gun and stud or needle
  • Aromatherapy
  • Eyelash extensions and weaving
  • Eyebrow shaping
  • Eyebrow and eyelash tinting
  • Haircutting, drying and styling

If you offer piercings that don't use a gun and stud or needle, sell homemade lotions or hair dyes, or have sunbeds in your salon, we might not be able to cover you.

Beauty salon claims

Each salon is different, 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.

Allergic reaction

A customer suffers an allergic reaction to a product used during a facial and needs medical attention. Product liability can 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 can 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 can pay to replace what was taken.

Data breach

A hacker accesses your systems, taking customer emails and affecting your sales. Cyber cover can reimburse the lost income and compensation owed to the customers affected.

How do claims work?

1

Notify us of the claim

Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there's an issue which may require a payment to be made on your behalf.

2

We'll get on the case

We'll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you'll receive email confirmation of your claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We'll keep you updated on the next steps as the claim progresses.

3

A decision is made

We'll let you know if your claim is successful or not. If your claim isn't covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.

Beauty salon insurance FAQs

How much does beauty salon insurance cost?

This depends on the level and types of cover you choose for your business, as well as the location of your salon. As an example, 10% of beauty salon businesses paid £17.62 a month or less for their insurance between January and March 2023.

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.

Do I need to prove my qualifications or licence to operate when buying beauty salon insurance?

We don’t ask for this information when you purchase insurance with us, but we recommend keeping your qualifications or licence to operate to hand in case they relate to a claim you’re making.

Can you cover mobile beauty therapists?

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

I often work at trade exhibitions and trade fairs – will I be covered?

Yes, participating at trade exhibitions or trade fairs is covered as standard.

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 but some of the most common treatments covered include:

  • Hair cutting, drying and styling
  • Manicure and pedicure including polish, gel polish, nail art and acrylic extensions
  • Facial masks excluding acid or skin peels
  • Hair removal by threading, plucking, waxing, sugaring or epilation
  • Face and body massage

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 and you've taken measures to ensure your items are secure, your equipment will be covered while in transit.

I want to switch from a sole trader to limited company, will this affect my policy?

If you want to change your business type, you're welcome to do so at any time. We won't charge you for the change to your policy, but your premium may change.

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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.