Beauty Therapist Insurance

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

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Specialist Business Insurance for Beauty Therapists in one Simple Solution

As a beauty therapist, 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 SME Insurance Services, 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 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

 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 £42.00****

In the past 12 months our customers have paid as little as £42 per annum for beauticians insurance.

50%***** of our beauticians customers paid less than £100 per annum in the past 12 months.

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.

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 2016.

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

**** Data compared from 26 policies sold between December 2015 to November 2016.

***** Based on 26 policies sold between December 2015 and November 2016, 13 customers paid less than £100.

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.

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92% of our customers would recommend our service.

Customer Testimonials
We have saved £££s by switching our insurance to SME. Really easy to approach and always willing to answer queries without making you feel as though you are bothering them. We have been recommending SME to all my business colleagues.

Mrs Susan & Mr Ronald Firth

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