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Salon Insurance

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

As the owner of a hair or beauty salon, like Joules Hair Design in Prestwich, Manchester (pictured above), 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 your reputation, having adequate business insurance is essential.

At smei, we understand that you’re probably run off your feet managing your hair or beauty salon, so we’ve designed a single, flexible salon business 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.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

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

Quote line: 0330 134 4564

Standard Covers***

  • Contents

  • Accidental damage

  • Glass

  • Business interruption

  • Employers liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers***

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

Premiums from as little as £157.45

In the past 12 months our customers have paid as little as £157.45**** per annum for hair and beauty insurance.

Over 50%***** of our hair and beauty customers paid less than £400 per annum in the past 12 months.

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

Other Categories 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. We are also unfortunately unable to provide quotations to businesses located in Northern Ireland.

Your salon premises are a vital element of your business – without them 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 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, as a result of your negligence. Having public liability insurance for your salon will cover the cost of a claim, plus any associated legal costs.

 

Terms and Conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

** Data correct as of January 2017.

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

**** Data compared from 2712 policies sold between January 2016 to January 2017.

***** Based on 2712 policies sold between January 2016 and January 2017, 1464 customers paid less than £400.

****** (http://www.statista.com/statistics/297070/growth-rate-of-the-global-cosmetics-market/).

IF I WAS TO FIND A LOWER QUOTE ELSEWHERE ARE YOU ABLE TO MATCH OR BEAT IT?

We will always do our utmost to beat your current price or other genuine like-for-like quotes you have been offered. We will offer you a quotation and policy best suited for your needs.

HOW CAN I PAY FOR MY POLICY?

We have flexible payment options like monthly direct debits, however if you wish to pay up front you can use credit/debit cards, BACS, and American Express.

HOW DO I GET MY DOCUMENTS?

Once you have purchased your policy, you will be sent an email and sms with a link to your policy documents. They are also accessible by logging into the smei site and logging into your profile where all your policy documents are stored. If for any reason you cannot print your documents off or have technical issues then please call us on 0330 134 4600.

WHAT HAIR SALON IS FEATURED ON THIS PAGE?

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. Joules Hair Salon in Prestwich, Manchester is one of our high street heroes. Visit their website here: www.jouleshairdesign.co.uk

You Could Save Over 15% With Us*

Online quote form

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: 8am - 6pm

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smei is always best. We have more than 10 hair salons and we work with them, never forget the renewal time, never renew the policy without asking, customer service always polite and solving the problems quickly.

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