Beauty Therapist Insurance

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

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

Beauty Therapist Insurance

With over 6,500 salons, hairdressers and beauticians already on cover**, we are confident our team will 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. So we’ve built a single, flexible insurance policy that can be adapted to fit your specific business 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

 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 £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 Categories 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. So 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

Our beauty therapists insurance policy only covers professionals with a minimum of two years’ experience, unless supervised, and we only provide cover for the treatments you’re qualified to undertake. However, 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.

Our public liability cover 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 offers specialist nail technician insurance? Smei also offers a host of specialist, professional beauty insurance products as well as general beauty insurance.

Terms and Conditions

* Click here to view our pricing disclaimer.

** Data correct as of January 2016.

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

**** Data compared from 25 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. Beauty by Joanne Mary Smith in Barrowford, Lancashire is one of our high street heroes. Visit their Facebook page 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

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SME Insurance were very helpful when setting up my new business policy; they understood mine and the business’ needs and got me a very good policy at a very competitive price.

Miss Kelsey Leigh Grant, Kelsey Leigh Nails

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