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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