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Hair Salon Insurance

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Hair salon insurance with individuality

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Why choose Ripe for hair 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 your team

    If you have employees, Employers’ Liability cover can be chosen, so you have protection in place to help if someone on your team is injured.

  • Cover for the full range of hair treatments

    From cutting and colouring to styling and extensions, your policy can be built to cover a range of services.

Hairdresser looking at their client's hair in the mirror

Hair salon business insurance designed for hair salon owners

A hair salon is a busy, hands-on environment. From treatments and tools to staff and clients, there is a lot happening every day.

Accidents, damaged equipment or treatment issues can quickly interrupt your plans if you are not prepared. Hair salon insurance by Ripe is shaped around salon owners and how salons operate. It supports your business when things do not go to plan, so you can stay focused on delivering great service.

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What does hair salon insurance cover?

  • 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.

Hairdresser looking at their client's hair in the mirror

What insurance does a hair salon need in the UK?

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.

FAQWhat hair salon treatments are covered through Ripe?


Hair salon insurance through Ripe covers a large number of hair treatments. Common hair salon types and treatments covered include:

  • Washing, styling, cutting and drying of hair

  • Tinting, dyeing, bleaching and permanent waving of hair

  • Hair extension

  • Barbers and men’s cut, washing, styling, cutting and drying of hair

  • Use of cutthroat razors, hair clippers, and treatments

Can’t see what you’re looking for? View the full list of treatments or start a quote.

Hair 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.

  • Yes, if you select our contents, stock and shop front cover option, you’ll receive up to £250k of cover for your hair salon’s contents (including fixtures and fittings).

  • Yes, up to £10m Public and Products Liability cover is included as standard with each hair salon insurance policy through Ripe. This includes protection for products you use in your salon or those you sell to customers, like professional hair colour brands.

  • Teaching cover isn’t compulsory for those taking out hair salon insurance. However, you may want to consider this cover option to protect your business against potential negligence claims from students.

    Let’s say a student fails to qualify after training in your salon and then attempts to claim retraining costs. Teaching cover could ensure that your business is covered against these scenarios and any disruption is kept to a minimum.

  • The cost of your hair salon insurance policy depends on various factors, such as:

    • your location

    • number of employees

    • the type and level of cover you choose

    At Ripe, our straightforward quote process means you’ll be able to get a price for protecting your hair salon in just a few minutes. Get an instant online quote.

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Content reviewed: February 2026

Content reviewed by: Richard Pearson