Beauty salon insurance

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Beauty salon insurance with individuality

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Why choose Ripe for beauty salon insurance?

Cover if something goes wrong with a client

If something goes wrong with a client and they get injured or make a claim against you, Public Liability cover can help financially take care of it, so you are not left dealing with it on your own.
Cover for specialist treatments

From treatments like electrolysis and face peels, to microneedling and dermaplaning, your policy can be built to cover a range of services.
Cover for specialist equipment

Specialist equipment, such as tanning beds and specialist setups can be included in your policy, along with Public Liability and Employers’ Liability.

Beauty salon insurance for beauty businesses

Running a beauty salon means balancing treatments, clients, staff and a space that needs to work hard every day.

Alongside the usual slips and spills, issues like damage to equipment or problems with the building can disrupt your business and your income.

Beauty salon insurance by Ripe is designed with salon life in mind. It helps support your space, your tools and your day to day work, so you can focus on looking after your clients and keeping your salon running smoothly.

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What does beauty salon insurance cover?

Cover your beauty salon against risks like public liability, treatment risks, equipment damage, and business interruption, so you can run your business with confidence.

Public & Products Liability – up to £10m.
Treatment risk cover – protection for third-party injury or property damage following hair treatments, up to £3m.

View the full list of treatments we cover.

Contents, stock & shop front – cover for contents and hair salon stock up to £250k
Employers’ liability – up to £10m for employee illness or injury
Buildings cover – up to £500k for your beauty salon building, outbuildings, walls, gates and fences
Teaching cover – compensation for negligent acts while providing paid teaching services
Money cover – theft of business money up to £2.5k
Business interruption – loss of turnover or increased running costs up to £500k
Legal cover – up to £100k for a range of legal matters

Working abroad – claims brought from outside the UK
Injectable treatments – plus other excluded treatments
Theft from unattended or unlocked vehicles – unless in a locked boot or a covered luggage area
Money cover exclusions – employee theft not reported within 7 days; theft from a locked, unattended vehicle

For more information, please visit the Important Documents page.

What beauty salons are covered through Ripe?

Eyebrow and eyelash salons

Foot spas

Makeup salons

Massage salons

Nail salons

Reiki

Spas

Sunbed and spray tan salons

Waxing salons

Can’t see your profession? View the full list of treatments or get in touch.

What insurance does a beauty salon need?

Hair salon owners who employ staff are legally required to have Employers’ Liability cover, so the business is protected against employee illness or injury claims. Other forms of hair salon insurance, such as Contents or Public and Products Liability cover, can help provide financial protection against the worst-case scenarios.

For example, say your hair-styling equipment is stolen during a break-in, or a client has an allergic reaction following a patch test—specialist hair salon insurance could prevent these situations from having a significant financial impact on your business.

Beauty Salon Insurance FAQs

The cost of your policy varies based on several factors, including:
- your location
- number of employees
- the type and level of cover you choose
You can get an instant online quote for beauty salon insurance through Ripe to learn the cost of your cover.
In the UK, beauty salons must:
- comply with  health and safety regulations
- hold a beauty salon insurance policy with Employers’ Liability cover if employing staff
- ensure proper sanitation and follow  fire safety regulations
Additional requirements may include local authority licenses, complying with COSHH for handling chemicals, and adhering to GDPR for client data protection. Specific treatments may also require special licenses or certifications.
While beauty salon insurance isn’t legally required to sell products, having cover can protect your business from third-party claims, such as allergic reactions or injuries caused by the products you sell.
Employers’ Liability cover is optional cover that can be added on during the quote process. It is a legal requirement in the UK. It protects your business from claims made by employees who are injured or become ill due to their work in your salon.
While it’s not compulsory, you may want to consider teaching cover to protect yourself and your beauty salon against potential negligence claims.
Let’s say one of your students fails to qualify and sues you for retraining costs. Teaching cover could provide financial protection so that any disruption to your business is kept to a minimum.

Refer your friends and get rewarded

If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!

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