Beauty & Beauticians Insurance

With over 6,500 salons, hairdressers and beauticians already on cover**, we are confident our team understands your insurance needs.

Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Beauty Business and Beautician Insurance

With over 6,500 salons, hairdressers and beauticians already on cover**, we are confident our team understands your insurance needs.

Every beauty technician business is unique, like The Hair & Beauty Gurus in MediaCityUK, Manchester (pictured above), 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 reputation, you need adequate beauty insurance for your business in case something goes wrong.  

At smei, we’ve designed 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.

You Could Save Over 20% With Us*

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

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Rent-a-chair or Mobile Trader Cover***

  • Public liability

  • Tool cover (theft from unattended vehicles)

  • Goods in transit

  • Employers’ liability

  • Most standard beauty treatments

  • Goods in transit

Salon Owner Cover***

  • Contents

  • Accidental damage

  • Glass

  • Business interruption

  • Employers liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

Premiums from as little as £226.00

In the past 12 months our customers have paid as little as £226.00 per annum for beauty and beautician insurance.

50% of our beautician customers paid less than £377.61 per annum.****

Other Categories 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 are covered should they become damaged or be 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 only covers technicians with a minimum of two years’ experience, unless supervised, and we can only provide 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 offer Salon Insurance? It's perfect for those businesses with bigger requirements.

Terms and Conditions

* Click here to view our pricing disclaimer. 

** Data correct as of January 2017.

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

**** Data compared from 478 policies sold in 2020.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 


Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.


You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.


If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. The Hair & Beauty Gurus in MediaCityUK, Manchester is one of our high street heroes. Visit their website here:

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Other Available Products
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Customer Testimonials
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smei is always best. We have more than 10 hair salons and we work with them, never forget the renewal time, never renew the policy without asking, customer service always polite and solving the problems quickly.

Suleyman Demirdag

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