hairdressers insurance

Hair & Beauty 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.

Salon insurance FAQs

Yes, we offer quotes for freelance hairdressers, self-employed hairdressers, and barbers.

We also offer a quote and buy online option for salon insurance.

With a hectic schedule, we’re sure you will appreciate the flexibility and choice to purchase policies and receive your documents online anytime, anywhere!

Public liability insurance is a critical type of cover that a hairdresser requires and protects a wide range of scenarios; for example, if you accidentally cut a customer with scissors. However, if a specific treatment causes injury, you will need treatment cover. As standard, we cover a wide range of treatments (some of which are listed on the hairdressing page), but if you're looking for something specialist, just speak to our team and we can advise you on what's available. Some types of insurances may be a legal requirement to protect you and your business. Others may not be compulsory, but advisable to protect you in the event of a claim. Not having the appropriate insurance for your business could be a false economy. For example, if you don't have the appropriate protection for treatments and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements and provide you with peace of mind that a claim won't be damaging to your business.

* 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

Quotes from well-known and specialist insurers, including:

Insurers smei work with

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