Beauty Therapist Insurance

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Beauty Therapist Insurance with individuality

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Why choose Ripe for beauty therapist insurance?

Cover for a range of treatments you offer

From facials and waxing to body treatments, your policy can cover a range of service also including reflexology and Reiki.
Protection if a client makes a claim

If a client questions a treatment or says your advice caused harm, treatment cover and Professional Indemnity cover can help financially protect you.
Cover that works where you do

Whether you are based in a salon, spa or working mobile, your cover travels with you, so you stay protected on the go.

Specialist insurance for beauty therapists through the Ripe Family

As a beauty therapist, your work is personal and hands-on. Treatments, tools and client care are part of everyday. Issues like reactions, injuries or stolen equipment can quickly become stressful without support in place.

Beauty therapist insurance by Ripe is designed to support you, your work and your business, helping you focus on your clients with greater peace of mind

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What does beauty therapist insurance cover?

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

View the full list of treatments we cover.

Contents, stock & shop front
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
Injury to the public whilst teaching – students must have their own cover to protect their liability.
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 further details on what is and isn’t covered under hair extensionist insurance, visit our Important Documents.

Do beauty therapists need Public Liability insurance?

Public liability cover helps provide financial protection if a client or member of the public claims compensation for accidental injury or property damage. This could include slips, trips, or damage to a client’s belongings while on your premises.

While Public Liability insurance for beauty therapists is not a legal requirement, you may find that salons require that you have Public Liability insurance as a minimum to work there.

It’s important to note that beauty public liability insurance does not cover claims directly related to the treatments you provide—these fall under Treatment Risk cover.

Beauty Therapist Insurance FAQs

Through Ripe, beauty therapist insurance can cover beauty therapy business owners, as well as mobile, self-employed, and staff beauty therapists.
The cost of a beauty therapist insurance policy through Ripe will vary depending on the type and level of cover you want. However, you can find out the cost of your cover today by getting a quick online quote.
While having mobile beauty therapist insurance is not a legal necessity, you may want to consider financially protecting yourself and your business should the worst happen.
For example, as you may frequently travel to treat clients within their own home, you may want to consider getting Public Liability insurance to provide financial protection against damage to third-party property, as there’s always a risk of spilling strong chemical products on their floors or furniture.
Yes, you can still get insured through Ripe as a self-employed beauty therapist. Self-employed beauty therapist insurance from Ripe includes Public and Products Liability, as well as Treatment Risk cover, as standard. You also have the option to include contents, stock and shop front cover, in addition to Employers’ Liability and Business Interruption cover, which can help financially protect your independent business in the event of an accident.
Getting a quote for beauty therapist insurance is quick and easy. Simply enter your details into our online quote page and select the type and level of cover you want. Once you’re happy with your quote, you can get cover in an instant, subject to underwriter checks.
If you decide to operate your business without insurance, you may find that you’ll have to cover costs such as legal expenses or replacement equipment yourself if a client decides to make a claim against you.
If you employ staff as part of your beauty therapist business, you are legally required to have Employers’ Liability insurance as a minimum. If you employ staff without this cover, you could face a fine for every day you operate without insurance.

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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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