Beauty & Beauticians Insurance

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

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Specialist Business Insurance for Beauticians in one Simple Solution

Every beauty technician business is 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 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 business insurance in case something goes wrong.  

At SME Insurance Services, we’ve designed a single, flexible 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.

You Could Save Over 10% With Us*

Mon-Fri: 9am - 6pm

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

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 £39.96

In the past 12 months our customers have paid as little as £39.96 per annum for beauticians insurance.

Over 50%***** of our beautician customers paid less than £120 per annum in the past 12 months.

Did you know we also offer Salon Insurance? It's perfect for those with bigger 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 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 beauticians 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.

Terms and Conditions
* We randomly surveyed 50 policyholders (2.36%) who obtained cover through us between April 2017 and October 2017. 60% made a financial saving by moving to SMEi, with an average saving of 13.5%. 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 99 policies sold between January 2016 to January 2017.

***** Based on 99 policies sold between January 2016 and January 2017, 49 customers paid less than £120.

You Could Save Over 10% With Us*

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Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 9am - 6pm

Related FAQs See all FAQs

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.

Feefo Reviews
Based on 108 reviews

92% of our customers would recommend our service.

Customer Testimonials
SME insurance 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. Also I can see all of my policies on their portal, no waste paper, everything online. Thank you SME!

Suleyman Demirdag

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