smei beauty beauticians insurance

Beauty & Beauticians Insurance

Beauty Insurance Products Designed to Meet the Particular Needs of the Hair and Beauty Industry

Most beauty technician businesses are unique, from operating within your own salon, to running a mobile beauty service, or renting a chair or room in a salon, or beauty parlour. Whatever type of beauty business you run, your clients expect care and expertise, whether you’re preparing a bride for her wedding or carrying out a regular treatment. So for their protection and your own reputation, you need adequate beauty insurance for your business in case something goes wrong.  

At smei, we can arrange a single, flexible beautician insurance policy that covers a wide range of beauty treatments and therapies. Whether you’re freelance, self-employed, or run a mobile business, we can arrange a bespoke beautician insurance policy to suit your specific requirements. If you prefer to purchase your salon insurance online, we also have an online platform available

You Could Save Over 20%*

Contact our team to receive a no obligation, instant quote today.

91% of our customers would recommend our service

Rent-a-chair or Mobile Trader Cover**

  • Employers liability.

  • Goods in transit.

  • Most standard beauty treatments.

  • Public liability.

  • Tool cover (theft from unattended vehicles).

Salon Owner Cover***

  • Accidental damage.

  • Book debts/account receivable.

  • Business interruption.

  • Contents.

  • Employers liability.

  • Glass.

  • Legal expenses.

  • Loss of rent receivable.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Premiums from as little as

£126 .89
In the past 12 months our customers have paid as little as £126.89 per annum for beauty and beautician insurance.

50% of our beautician customers paid less than £835.51 per annum.***

Other Types of Business Beautician Insurance

Employers liability insurance may be a legal requirement if you employ staff for your beauty business, whether on a casual, temporary or permanent basis.

The tools and equipment necessary to run your beauticians or beauty business do not come cheaply, so by obtaining the right insurance, you're covered should they become damaged or are stolen.

If your client suffers an allergic reaction from one of your treatments, product liability cover will provide protection in the event of a claim, while if you run a mobile business, you’ll also need cover for any vehicles you use.

Beauticians Public Liability Insurance

Our beauty insurance policy typically covers technicians with a minimum of two years’ experience, unless supervised, and we can only arrange cover for the treatments you’re qualified to carry out. Regardless of your level of skill and expertise, a misjudged temperature setting on hot wax could leave your client with a nasty burn, while equipment left on the floor could cause somebody to trip and hurt themselves.

For these reasons and many more, having beauticians public liability cover is a vital part of your insurance. It protects you should a client, member of the public, or supplier suffer illness or injury, or their property become damaged - as a result of your negligence.

Did you know we also arrange Salon Insurance? It's perfect for those businesses with bigger requirements.


* Click here to view our pricing disclaimer.

** If applicable, mobile and fixed location cover may differ dependent upon insurer.

*** Data compared from 30 policies sold in 2022. 10 customers paid as little as £126.89.

Frequently asked questions

The type of cover you need depends on the type of hairdresser you are. For example, all hairdressers need to have public liability insurance to cover their legal liabilities in the case of damage or injury to clients. Salon owners will need business interruption cover to ensure they're protected if, for example, fire prevents the business operating. Mobile hairdressers may need goods in transit cover to protect business equipment and stock against damage while in transit between customers. If you're unsure of the type or level of cover you'll need, our team will be able to help guide you. The cost of your policy depends on your needs. Our policies are flexible and can adapt to fit your requirements. So whether you're a salon owner, freelancer, or are a mobile hairdresser, we will search for the cover you require and present you with the choices available. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will present you with the possibilities so you can make an informed decision on what option is most appropriate for you. Yes. No matter how skilled and experienced you are, accidents sometimes happen. A momentary lapse in concentration could result in an accidental snip on your client's ear, or a burn caused by hair straighteners. If you drop chemicals onto your client's expensive carpet, you could be left facing an expensive bill for replacement. Public liability insurance for mobile hairdressers provides cover if a client or member of the public sues you for injury or damage. This key element of your insurance could cover you for the compensation payment and any associated legal fees. Yes. As a mobile hairdresser, your clients are likely to vary greatly, from busy executives that are time-poor and love the convenience of a hairdresser coming to them, to the elderly who are unable to travel, or a bride preparing for her big day. However, they all have one thing in common: they expect a professional job and maybe a little pampering too. We provide Mobile Hairdresser specific insurance to make sure your business is covered.

91% of our customers would recommend our service

I’ve being using smei for almost 6 years now & the team always give a friendly professional service, good knowledgeable advice & are always most helpful. I have spoken to the same team members several times & I think that is really nice, they know what I need as a business & are always extremely happy to assist. I would definitely recommend smei to other businesses for their insurance needs.


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