beauty therapist insurance

Beauty Therapist Insurance

With thousands of beauticians already on cover, we have the knowledge and the confidence to understand your insurance needs.

As a beauty therapist, like Beauty by Joanne Mary Smith in Barrowford, Lancashire (pictured above), you use a range of specialised treatments to make your clients look good and feel fabulous, these may range from chemical peels and laser treatments to massages, and aromatherapy oils. Your clients expect a professional service and some pampering, so for their protection and your reputation you need appropriate business insurance in case things don’t go as planned.

At smei, we understand the unique risks and challenges faced by beauty therapists, whether you operate from your own salon, run a mobile business, or rent a chair or room in a beauty parlour. That’s why we have a panel of carefully selected leading UK insurers that offer flexible beauty insurance products that can be adapted to fit your specific business requirements. If you prefer to purchase your salon insurance online, we also have a quote and buy facility.

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.

  • Beauty treatment insurance.

  • 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

£46 .07
In the past 12 months our customers have paid as little as £46.07 per annum for beauty therapist insurance.

50% of our beautician customers paid less than £106.92 per annum.***

Other Types of Business Insurance for Beauty Therapists

As a beauty therapist, your tools, equipment and stock are an integral part of your work – without them it would be difficult for you to do your job. Therefore, you may want cover should they become damaged or be stolen, leaving you unable to work.

If you employ staff for your beauty therapist business, it may be a legal responsibility to provide employers liability insurance for their protection, and if you sell a product that’s faulty or causes a reaction to your client, product liability could cover any resulting claim.

If you run a mobile business or work from home, you may want to include cover for your premises or vehicle.

Beauty Therapists Public Liability Insurance

Even the most experienced professional can have a lapse in concentration or misjudge a setting, resulting in injury or illness to your client or damage to their property.

We can arrange public liability cover that provides protection should you face a claim for malpractice or negligence, such as a burn from laser treatments or hot wax, or an allergic reaction to massage oils or chemical peels. This essential cover could cover the cost of the compensation claim along with any associated legal costs.

Did you know that smei can arrange specialist nail technician insurance? Smei also arranges a host of specialist, professional beauty insurance products as well as general beauty insurance.

* Click here to view our pricing disclaimer.

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

*** Data compared from 25 policies sold in 2020.

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

Wouldn’t go anywhere else! I have used smei for many years. I always get reminded when it’s that time again. I have always found them to be very helpful and they do try to get you the best deal.

Morag Ross

Quotes from well-known and specialist insurers, including:

Insurers smei work with

You Could Save Over 20%*