Professional Hair and Beauty Insurance

Professional Insurance for Hair and Beauty

Smei offers a range of professional beauty insurance products designed to meet the particular needs of the hair and beauty industry.

When it comes to the set-up of hair and beauty businesses, a salon is often run by an owner (or owners) who then rent out “chairs” to hairdressers, beauty therapists or nail technicians working within the salon. They are often self-employed and responsible for their own tax, professional beauty insurance, and of course book-keeping too.

Hair and beauty salons in their variety of forms can often see a large number of clients pass through the door on a daily basis. It is the responsibility of the salon owner and in turn the therapists, technicians, and stylists that work there, to ensure the safety of their clients.

Why Insurance for Hair and Beauty Businesses is Important

No matter which section of the hair and beauty industry your business is part of, it is important you understand the risks that can arise and how you can best prepare for them.

Professional beauty insurance offers protection for hairdressers, nail technicians, beauticians and beauty salons for the typical services they provide. Your broker will discuss this with you in more detail at the quotation stage and will highlight any services that can't be covered under your hair and beauty insurance cover.

Professional beauty business insurance covers a range of risks that can arise specific to the hair and beauty industry including, public liability, employers liability, and product liability.

There are additional covers you may wish to take out, such as buildings and contents cover, and business interruption. For example, in a situation where fire has caused damage to your building and your business has to close whilst repair works are carried out, business interruption is designed to cover your loss of earnings whilst the salon is closed and you are unable to trade.

You may even be able to cover the tools of your trade against loss or damage. After all, if you don’t have the necessary tools to do the job, it will be difficult to function as a business.

Smei is passionate about championing the hair and beauty industry, like Beauty by Joanne Mary Smith in Barrowford, Lancashire (pictured above). No matter which part of the hair and beauty industry you belong to, you should speak to an insurance expert about taking out the right level of professional beauty insurance for your business. It is vital to ensure you do not lose money, staff or your livelihood should the unforeseen happen, and you are fully covered in the event of a claim.

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Our Hair and Beauty Insurance

Aesthetics Insurance

As an aesthetics practitioner we know you're highly skilled at delivering a range of cosmetic treatments. However, the treatments you offer also present risks to you, your clients and your business.

Barbers Insurance

Protecting businesses with our specialist barber insurance

Beauty & Beauticians Insurance

smei offers specialist beauticians insurance that is tailored to fit the exact needs of the beauty industry and the cover it requires.

Beauty Therapist Insurance

We offer a range of products to cover beauty therapists and the specialist cover they require.

Hairdressers Insurance

We arrange a variety of insurance products designed to meet the needs of hairdressing salons and mobile hairdressers renting a chair in a salon.

Lash Tech Insurance

Eyelash extension insurance for lash techs; the right cover at the right price.

Makeup Artist Insurance

Specialist makeup artist insurance cover available for mobile or salon based makeup artists

Mobile Beauty Insurance

Insurance for mobile beauticians that’s as flexible as you are.

Mobile Hairdresser Insurance

We provide tailored mobile hairdresser insurance to make sure you’re always covered.

Nail Technician Insurance

We can arrange insurance policies for qualified nail technicians who work in a salon or on a self-employed mobile basis.

Salon Insurance

smei caters for the hair and beauty industry.

Tanning Salon Insurance

Whether you own a sunbed shop, a mobile spray tanning business, or a tanning salon that offers sunbeds and spray tans – we can find the right insurance for you.

Tattooist Insurance

Even the most skilled and experienced tattooists can make mistakes, and accidents can happen. There are also many risks concerning your clients’ safety.