Beauty Business and Beauticians 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 beauticians 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 beauticians policy to suit your specific insurance requirements.

Other Categories of Business Insurance for Beauticians

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.

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^{* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.}

^{** Data correct as of January 2017.}

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

^{**** Data compared from 665 policies sold in 2019.}