Salon Insurance

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

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Specialist Business Insurance for Salons in one Simple Solution

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 your reputation, having adequate business insurance is essential.

At SME Insurance Services, 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 10% With Us*

Mon-Fri: 9am - 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 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 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/).

Gel Insurance Services is a trading style of SME Insurance Services Limited. SME Insurance Services Limited, a wholly owned subsidiary of Marsh Limited, is registered in England & Wales (No: 03798294) at 1 Tower Place West, Tower Place, London EC3R 5BU. SME Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No: 306057). Marsh Ltd is registered in England & Wales Number 1507274. Registered Office: 1 Tower Place West, Tower Place, London EC3R 5BU and is authorised and regulated by the Financial Conduct Authority (Firm Reference No 307511). Copyright © 2017 Marsh Ltd. All rights reserved.

You Could Save Over 10% With Us*

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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

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Related FAQs See all FAQs
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 SME Insurance 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.

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92% of our customers would recommend our service.

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Customer Testimonials
SME insurance 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. Also I can see all of my policies on their portal, no waste paper, everything online. Thank you SME!

Suleyman Demirdag

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