What is hair & beauty insurance?
Working as a beautician is all about helping people look and feel their best, which means keeping your business protected in case anything happens.
Public liability is the main cover for beauticians in case a third party claims you’ve accidentally injured them. If you have employees, or a premises, then employers’ liability and contents insurance would benefit you, too.
We can protect your business whether you’re the new talent in town, or you’ve been running your salon for year.
Why do I need hair & beauty insurance?
Working as a beautician means accidents can go further than just slips and trips. Here are just a few of the things that you might need insurance for if you work in hair and beauty.
Allergic reactions
Every stylist or make up artist has their own kit of products, but what happens when a client of yours has a skin reaction to the dye you’re using, or the foundation you’ve just applied?
A break in at the salon
If you’re salon is broken into, it would be a disaster. You might end up a lot of damage to be sorted - chairs that are damaged, windows and mirrors smashed, and a lot of stock stolen. In the wake of this, you’ll still need to try and get business back up and running.
A client’s belongings get damaged
Spills and breakages happen, it’s unavoidable. But what would happen if you or an employee accidentally knocked over a bottle of dye, or a tub if face powder, and it stains a client’s coat or handbag?
Sick, or injured, employees
Even the most well-trained or experienced employee can have an accident now and then. It could be something as simple as a spill that stains their clothes, to something more serious like exposure to chemicals, or bad cut from scissor or an electric razor.
What type of beauty occupations do you cover?
We cover several types of hair and beauty occupations, such as:
What covers are available?
When you’re building your business insurance policy with us you can choose any of our covers as a standalone or combine them with each other. Add any optional extras that work for your business, too.
Here are the most common covers chosen by those working in the hair and beauty industry.
Am I covered if I sell cosmetic products?
If you sell products and you get public liability, then you are automatically covered for products liability insurance.
Products liability will protect you if the products you sell cause injury to your customers once they get them home. With a growing demand for at home and DIY beauty services, you might have consider branching into DIY kits – such as press on nails, eyelash extensions, at home dye kits and more. If that is the case, then you need to invest in this cover.
You are covered for:
- Property damage compensation because of your faulty product
- Personal injury compensation caused by your faulty product
You won't be covered for:
- Customer dissatisfaction with a product
- Product recall
For a full list of exclusions make sure to check your policy documents.
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*10% of our customers paid from £6.81 for ten months between July and September 2024 after an initial deposit. Interest applicable. For more details see our terms & conditions.
**10% of our customers paid this or less between July and September 2024.