Ripe Hair & Beauty Insurance FAQs

Despite the undoubtable thrills and excitement, becoming responsible for an entire business, such as a salon, carries its fair share of risk.

For example, theft, fires, and injury to staff and customers could occur at any time, leaving you with expensive legal or repair costs if you’re not covered.

Let’s say one of your salon employees slips on a wet floor and makes a claim against you, or the business premises is damaged in a fire—having the correct salon insurance could save you.

Salon insurance is a form of financial protection that covers your salon business against the unexpected. You can customise your policy to include different levels of protection, such as cover for theft or damage to your equipment, or your liability to employees and customers.

What's covered?

Public and Product Liability

Up to £10m of cover is included as standard to protect you against third-party claims for injury or property damage.

Treatment Risk Cover

Protects your liability against third-party claims for injury or property damage following Hair and beauty treatments up to the value of £3m.

What's not covered?

Working Abroad

We can only cover policyholders working in the UK and cannot cover claims brought in from another country.

Treatments Involving The Use Of Injections

We will not cover any treatment involving the use of injections, alongside a list of specifically excluded treatments.

Injury To The Public Whilst Teaching In A Teaching Facility

Our teaching cover does not include this, as students must have their own insurance to protect their liability.

Closure Due To Disease

We cannot cover business interruption due to disease outbreaks classified as pandemics by the World Health Organisation.

Theft From Unattended And Unlocked Vehicles

We cannot cover theft from unattended vehicles unless all points of access are locked, or the vehicle is stolen at the same time.

Legal Costs For Taking Someone To Court

There must be a 51% chance of winning the case or achieving a positive outcome for us to cover legal costs.

Exclusions To Buildings, Shop Front, And Contents Cover

Excludes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.

Exclusions To Money Cover

Excludes theft from employees if not reported to the police within 7 days and theft from an unattended vehicle.

What's optional?

Contents, Stock, And Shop Front Cover

You can cover your contents, stock, shop front, fixtures, and fittings up to a combined value of £250k.

Employers’ Liability

This cover protects your liability following illness or injury to an employee up to the value of £10m.

Buildings Cover

We provide up to £500k of cover for your salon’s building, including any outbuildings, walls, gates, and fences.

Teaching Cover

Provides cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.

Money Cover

You can cover the theft of money from your business up to the value of £2,500.

Business Interruption

Covers loss of turnover or the additional costs of keeping your business running up to the value of £500k if you cannot trade.

Legal Cover

You can select up to £100k of cover for costs incurred from defending or pursuing a claim for a range of legal issues.

With Ripe, every salon insurance policy includes public liability, product liability, and treatment risk cover as standard. You can then customise your policy to include various optional extras.

The cost of hair salon insurance varies depending on a few things, including:

• The number of staff you employ

• The location of your business

• The type and level of cover you choose

At Ripe, we strive to make insurance simple and believe you should only ever pay for the cover you actually need. You could save money and time with us by providing some quick details about your business when you get a quote.

Teaching whilst in the salon for your trainees is covered as standard with our insurance policy.

However, if you are teaching within a college or a teaching facility, while it’s not compulsory, you may want to consider teaching cover to protect yourself against potential negligence claims.

For example, let’s say one of your students fails to qualify and subsequently sues you for retraining costs. Teaching cover could provide financial protection so that the damage and disruption to your business and reputation are kept to a minimum.

Yes. In most cases, it is a legal requirement to have valid Employers’ Liability insurance. This can be included as an extra when customising your policy with Ripe.