Salon Insurance

Whether your salon specialises in hair, beauty, or nails – salon insurance can protect your business from the cost of claims including damage to your building and its contents. It can also cover the cost of legal action from customers or employees, helping you focus on what matters.

Insurance Solutions from Gallagher

Lloyds Bank Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. When getting a quote online you will be taken to Gallagher’s online site with a new privacy and cookie policy.

What does salon insurance cover?

Whatever you specialise in, from hair to nails, salon insurance helps to cover many vital aspects of running your beauty business. Your salon insurance policy can be created to suit the demands of your business

There are a few main areas a salon insurance policy can cover, these include:

Public Liability

Your clients attend your salon to feel beautiful, but day-to-day treatments aren’t risk-free. Public liability insurance can help cover any legal fees or compensation if a customer makes a claim due to injury or negligence as a result of a treatment.

Employers’ Liability

If you have an employees or at least 2 directors and no employees, then it’s a legal obligation to be adequately insured. Employers’ liability insurance can help to cover any legal fees or compensation if an employee claims against your business.

Business Interruption Insurance

Business interruption insurance can help cover you for a reduction or loss of income caused by an insured event. This can include extra costs incurred from having relocate to a new or temporary salon.

Contents Insurance

A flood, fire or break-in could mean electrical equipment, furniture, and consumables are no longer available. Contents insurance can help cover cost of damaged or stolen equipment and stock due to an insured event.

Buildings Insurance

If you own the salon premises, or your lease requires, you may need to take out building insurance. This can cover the cost of damage to the building due to a fire, storm or flood

Legal expenses cover

As a business owner, you may find yourself needing to defend your business in court. Legal expenses cover can help to protect you against the cost of solicitors and compensation.

Keep in mind

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

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Do I need salon insurance?

Salon insurance is flexible, covering a range of beauty businesses. If you’re a beautician, a hairdresser, or a makeup artist, chances are you need salon insurance.

Policies like public liability insurance can provide you and your customers’ peace of mind and may protect you in the event of a claim.

There are legal requirements associated with owning a business with employees or at least 2 directors and no employees, such as employers’ liability insurance. This policy helps you against the cost of an employee claiming compensation in the event of injury due to your negligence.

You should consider salon insurance if your business has the following:

  • Customers visit your salon
  • You visit customers at their homes or businesses
  • You keep money on the premises
  • You own electronics, products, or furniture
  • Business interruption could cause a significant loss in earnings
  • You own or lease your business premises.

How much is salon insurance?

Insurance for salon owners can vary, and many factors can go into calculating premiums.

Some of the factors include:

  • The size of your salon
  • The number of employees
  • The levels of footfall in your area
  • The types of equipment you use.

For example, a larger salon with lots of employees might pay a higher premium than a small beauticians with a handful of staff.

Does salon insurance include stolen takings?

There’s a good chance that in a salon, you will handle cash. If money is lost or stolen, and you have taken out this optional cover, your policy can cover the theft of your cash:

  • During business hours
  • While in transit
  • From a bank night safe
  • From a residential address
  • While out of a safe, out of hours
  • While in a safe, out of hours.

Does salon insurance include stock?

As a salon, you may hold a lot of professional products and equipment. These can be covered by contents cover, which you can add to your salon insurance policy.

In the event of an insured event, this can help to cover:

  • Any items that you sell
  • Equipment necessary to run your salon
  • Computers, desks, and shelving.

Examples of salon insurance claims

  • A stylist accidentally cuts a customer’s ear while performing a haircut. The customer makes a claim for compensation.
  • An employee trips and falls on the shop floor and decides to pursue legal action.
  • A fire breaks out and the salon is damaged. Stock and equipment needs to be a replaced and a new temporary premises must be found.

Other Products

Public Liability Insurance

Landlord Insurance

Professional Indemnity Insurance

Shop Insurance

Employers’ Liability Insurance

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Protect your van

Use a van for work? Get peace of mind if things go wrong with insurance from us.

Manage your policy online and get a courtesy van if yours is being repaired by an approved garage when making a valid claim.

Learn more about van insurance

Terms, conditions and exclusions apply.

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.