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Cheap salon insurance quotes from UK salon insurance providers.

Cover for a salon is a package of business insurance for hair, nail, beauty and aesthetics businesses. It usually starts with public liability, for claims from clients or visitors who are hurt or whose belongings are damaged. You can then add cover for treatments, staff, equipment and stock.

With one short form on Quotezone, salon owners can see quotes from several providers at once.

Who needs salon insurance?

You may require salon insurance if you are a salon owner or a mobile trader. This includes insurance for barbers, beauticians, hairdressers, makeup artists, masseurs, nail studios, physiotherapists, piercing/tattoo studios, sports therapists, tanning salons and many more.

What kind of cover do I need?

Salon insurance can cover legal expenses due to claims arising from damage to property or injury to a customer or a member of the public. You can be covered for all standard risks such as fire, theft, storm and flood. You can also insure all of your tools and equipment on your salon insurance policy for complete peace of mind!

Do I have to contact separate companies to make a salon insurance comparison?

By filling in one simple online form about your business, Quotezone takes the hassle out of finding cheap salon insurance. Once complete, our panel of salon insurance providers can contact you directly to discuss a tailor-made quote suited to your business.

Quotezone is regulated by the Financial Conduct Authority so you know that we only work with FCA authorised insurance providers and your details are only used for the purposes of getting your salon insurance quotes.

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Salon insurance guide

When running a salon the primary purpose is usually to help customers to look and feel their best. This could be via a number of ways depending on the type of salon. For instance a salon could cater for hair, nails, beauty or relaxation and could even be a combination of all these things. It might be typically to use or sell different kinds of hair and beauty products and it could also be likely that a salon employs various stylists or technicians responsible for cutting hair or giving treatments.

In order to run a successful salon and build a good reputation it could be likely that the owner keeps very high standards for quality work. In the event of a claim or if the salon was broken into and damaged this could prove detrimental to the business. It could be a financial struggle to replace stock or have repairs done or pay out if a claim was upheld which is why salon insurance could prove vital to business survival.

Why is salon insurance required?

Salon insurance could be a useful tool in the event of things going awry in a salon. Accidents may not happen every day but they could happen in this kind of environment which is why UK salon insurance could be important.

Salon owners may be reassured if they are running a business with salon insurance in place. It could give much needed peace of mind for the owner, staff and for the customers too. This kind of insurance doesn’t necessarily need to be expensive either and so it could be worth exploring the options for cheap salon insurance.

A policy might be tailored to a business and therefore it could protect the things that matter most including any salon equipment or stock.

Salon insurance may cover businesses such as hairdressers, beauticians, massage therapists, nail technicians, make-up artists and those that offer a range of services. It might cover treatments such as eyelash tinting, eyebrow shape, manicures, ear piercing, and massages of any kind.

Shopping for salon insurance

When it comes to finding the right salon insurance policy it could be worthwhile looking online and getting a range of quotes from several insurance providers. Whilst many insurers may offer business insurance it may take a specialist provider that understands the way salon insurance works. This is where shopping to compare salon insurance could work best as it may identify the most appropriate insurance companies quicker.

It may be much more convenient for people to search online for a range of quotes and it could even mean getting cheap salon insurance too as some online quotes could be more affordable. Finding salon insurance this way could leave salon owners to get on with the running of their salon.

What things are covered by salon insurance?

As a salon owner it could be difficult keeping on top of every situation which is why salon insurance could give additional security and reassurance. A typical policy may cover the following areas:

Public liability insurance: This usually means that if anyone was to be injured or their property damaged whilst at the insured business they may be covered. This tends to be up to a figure of around £5 million but could be increased or decreased depending on requirements.

Employer’s liability insurance: For those salon businesses that have employees or contractors working for them then they could be covered for this purpose. If anyone of this nature becomes unwell or injured as a result of their engagement with the business they could be protected up to around £10 million.

Contents cover: This could protect assets like salon equipment, products or personal belongings that might be stolen or damaged or destroyed in a fire or other incident.

It may also be possible to add on extra elements of insurance cover as part of the policy for buildings cover (if the premises are owned by the salon), business interruption, legal cover or personal accident cover. One of the best things about salon insurance could be that it might be entirely flexible to suit individual salon business needs.

Business insurance for salons

Many people might think that a salon could operate without insurance, particularly a small, family owned salon for example. However, it may be impossible to predict when something might go wrong which is why it could be vital to take steps to protect a salon business of any size. If a person has worked hard over the years to build a solid reputation in a local area they do not necessarily want it to become tarnished overnight if someone was to make a claim. Likewise they could face financial ruin if a claim was upheld and they had to pay out hundreds or thousands of pounds in compensation to a customer or a third party. Having salon insurance could save a great of hassle and money for salon business owners.

It could also be something that a customer is looking for in a reliable and reputable salon. Without a valid salon insurance policy people may struggle to take a business seriously which could prevent growth and turn customers away. People may search for a professional salon that takes their duty of care very seriously and as a result having a robust UK salon insurance policy could be a very attractive selling point. Salon insurance could prove invaluable in the event of a claim or other incident.

Do I need insurance to run a salon?

Employers’ liability is the cover the law requires once you take on staff. It must be for at least £5 million from an authorised insurer, and you can be fined £2,500 for every day you’re not properly insured (GOV.UK).

Business.gov.uk lists public liability as cover to consider if clients visit you or a contract asks for it, though the law doesn’t require it (business.gov.uk). For a salon, clients are in the chair or on the couch for every appointment.

Do some beauty treatments need registering with the council?

Yes, in parts of England. Where a council has adopted it, section 15 of the 1982 Local Government (Miscellaneous Provisions) Act requires registration for semi-permanent skin colouring, cosmetic piercing and electrolysis (legislation.gov.uk).

The premises must be registered for that treatment too. List every treatment you offer when you get a quote, such as microblading or ear piercing.

Does a salon policy cover products I sell to clients?

It can, if you add product liability, which business.gov.uk lists for businesses that make, sell or distribute products (business.gov.uk). It deals with claims that something you sold caused illness or injury.

That matters if you sell shampoo, skincare or nail products over the counter, as well as using them in treatments.

You might also need

Run a sunbed studio or tattoo parlour as well? See our pages on cover for tanning salons and tattoo studio cover. If you own your building, commercial property insurance can cover the premises.