Hair & Beauty Salon Insurance

Insurance for Hair and Beauty Salon Owners

At smei, we understand you’re probably run off your feet managing your hair or beauty business. We can arrange a single, flexible salon business insurance policy that can be adapted to fit your specific requirements.

Whether you run an independent hair 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. This gives you the flexibility and choice to purchase policies and receive your documents online anytime, anywhere!

Key features and benefits

• Premiums from as little as £342.00.**
• Quotes from a panel of A-rated insurers.
• Single, flexible policy ‒ tailor-made to suit your requirements.
• Cover for various hair and beauty treatments and therapies.
• Dedicated adviser throughout your policy.
• No mid-term amendment fees should you need to make a change.
• Access to a 24-hour legal helpline.
• Flexible payment options including direct debit.
• Access to documents anytime, anywhere via our secure portal.

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

If you don't own your own salon, we can arrange specific hairdressers insurance and beauticians insurance too.

What Type of Salon Insurance do you Need?

Employers liability insurance

If you employ staff, whether they’re casual, temporary, or permanent employees, it’s a legal requirement to take out employers liability insurance. If you don't, you could face a heavy fine from the Health and Safety Executive.

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 anyone who enters your premises. 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.

Treatment liability insurance

A ‘standard’ public liability policy may not cover you if you accidentally injure someone whilst cutting their hair, burn them with straightening irons or cover you for any other mishaps caused by treatments you may provide.

Treatment liability cover is usually an extension of your public liability policy and will specify the treatments being insured. It is important to disclose all treatments to insurers and this is reflected within your policy documentation. If you are unsure if a treatment is covered, our team is here to help answer your questions.

Business premises insurance

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 building insurance cover, plus protection for your valuable equipment.

Business interruption (BI)

BI insurance provides financial protection should an insured event such as a fire or flood prevents you from trading for a period of time.

Equipment breakdown cover

To ensure the costly machines and equipment vital to your salon can be replaced or repaired should they fail.

Our flexible approach to tailor-made policies and our ability to cater for non-standard risks means we may be able to provide cover for risks that some insurers deem too risky. These can include flat-roofed premises, start-up businesses, and premises that have suffered previous claims due to fire or flood.

Quotes from well-known and specialist insurers, including: