hairdressers insurance

Salon Insurance

Smei Offers a Range of Professional Beauty Insurance Products Designed to Meet the Needs of Hair and Beauty Salons 

As the owner of a hair or beauty salon you’re a key part of the community. Clients visit you for a professional service, to be pampered, and to look and feel good about themselves. The relationship you have with them is worth safeguarding, so for their protection and for your reputation, having adequate business insurance is essential.

At smei, we understand you’re probably run off your feet managing your hair or beauty salon, so we can arrange a single, flexible salon insurance policy that can be adapted to fit your specific requirements. Whether you run an independent salon or barbershop on the high-street, a large shopping centre-based salon, or a nationwide chain of beauty parlours, we can arrange a bespoke salon insurance solution especially for you.

If you prefer to purchase your salon insurance online, we also have a quote and buy platform available. We’re sure you will appreciate the flexibility and choice to purchase policies and receive your documents online anytime, anywhere! 


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

91% of our customers would recommend our service

Standard Covers**

  • Accidental damage

  • Book debts/account receivable

  • Business interruption

  • Contents

  • Employers liability

  • Glass

  • Money in safe

  • Money on premises

  • Public and products liability

Optional Covers***

  • Embedded breakdown

  • Goods in transit

  • Legal expenses

  • Loss of rent receivable

  • Subsidence

  • Tenants improvements

  • Terrorism

Premiums from as little as

£342 .00
In the past 12 months our customers have paid as little as £342 per annum for Hair and Beauty Salon insurance.

50% of our hair and beauty salon customers paid less than £502.52 per annum.

If you don't own your own salon, we can arrange specific Hairdressers Insurance too.

Other Types of Business Insurance for Salons

If you employ staff, whether they’re casual, temporary, or permanent employees, it is a legal responsibility to take out employers liability insurance. The products and treatments you provide could be harmful to your clients if carried out incorrectly or if your client suffers an allergic reaction. As long as salon staff have a minimum of two years’ experience or an experienced member of staff supervises them, product liability insurance will help protect you in the event of a claim. Unfortunately, we are unable to provide quotations to businesses located in Northern Ireland.

Your salon premises are a vital element of your business – without premises, it would be challenging for your business to operate – so you also need buildings insurance cover, plus protection for your valuable equipment.

Salon Public Liability Insurance

No two salons are the same, but you all have one thing in common. You have a duty of care to everybody that enters your premises, and for this reason public liability cover is one of the key components of your salon insurance policy.

Public liability insurance protects you if a customer, supplier, or member of the public suffers illness or injury, or damage to their property, because of your negligence. Having public liability insurance for your salon will cover the cost of a claim, plus any associated legal costs.

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

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.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 1972 policies sold in 2022. 330 customers paid less than £342.

91% of our customers would recommend our service

Fast, competitive insurance. I felt the representative really understood my needs.

Peter Reading

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