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Hair & Beauty insurance to suit your style

Hair and Beauty insurance with individuality

  • UK customer service team
  • Rated ‘Excellent’ on Trustpilot
  • Underwritten by Aviva
  • Award-winning insurance

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Why should I consider hair and beauty insurance?

Your business is unique to your skills and your work unique to each client. Which is why we’re here to provide you with a fresh perspective on your individual insurance requirements.

With us, you can benefit from decades of insurance experience expertly tailored into practical cover that works for you, leaving you to focus on what you do best.

Why choose Ripe

Insurance you can get creative with

The beauty of our flexible cover means you choose what you need and won't pay for anything you don't.

Beautifully simple

We've made taking out cover online super quick and beautifully simple, with no lengthy forms or confusing jargon.

We wow our customers too!

Not only is our cover rated 'Excellent' on Trustpilot, but 98%* of our customers intend to renew their cover with us.

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Our cover
Important documents
Why choose us?
Help and advice

What does hair and beauty insurance cover?

Mobile or Freelancer

What's covered

  • Public and Products Liability

Up to £10m of cover is included as standard and can 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 beauty treatments up to the value of £5m.

What's not covered

  • Working abroad

The cover can only extend to policyholders working in the UK. It cannot cover claims brought in from another country.

  • Treatments involving the use of injections

Through Ripe any treatment involving the use of injections, alongside a list of specifically excluded treatments, will not be covered.

  • Injury or property damage to models

Teaching cover does not include damage to property or models. Students must have their own insurance to protect their liability.

  • Closure due to disease

Business interruption, due to disease outbreaks classified as pandemics by the World Health Organisation, cannot be covered.

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles unless all points of access are locked or the vehicle is stolen at the same time, cannot be covered.

  • 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

  • Stock and equipment cover

You can cover your contents, stock up to a combined value of £250k.

  • Money cover

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

  • 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.

 

 

Salon or Business

What's covered

  • Public and Products Liability

Up to £10m of cover is included as standard and can 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 beauty treatments up to the value of £5m.

What's not covered

  • Working abroad

Through Ripe cover for policyholders working in the UK is provided, however cover claims brought in from another country is not provided.

  • Treatments involving the use of injections

Any treatment involving the use of injections, alongside a list of specifically excluded treatments, will not be covered

  • Injury or property damage to models

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

  • Closure due to disease

Any business interruption, due to disease outbreaks classified as pandemics by the World Health Organisation, cannot be covered.

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles unless all points of access are locked or the vehicle is stolen at the same time, cannot be covered.

  • 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, stockup 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

Up to £500k of cover is provided 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.

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Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Other beauty trades we insure

Hairdressers

Beauticians

Nail Technicians

Why choose us?

You can get the specialist cover you need easily, leaving you to focus on your clients.

  • Insurance with individuality

Just like your services will be unique to each of your clients, you can tailor your insurance to suit the unique needs of your business.

  • We keep our customers happy

Over 320,000 happy Ripe customers already trust us for their insurance cover. Join them and enjoy the confidence it brings.

  • We’ve got good chat

Like you, we know how important it is to build a rapport with your clients, so our UK based customer service team is on-hand to talk.

Find out more

Hair and beauty insurance FAQs

How much does hair and beauty insurance cost?

The cost of hair and beauty insurance can depend on a wide variety of factors. These can include your experience, what type of cover you require, and what type of treatments your business offers.

Should I consider insurance if I'm renting space in a salon?

If you are renting space in a salon, you might be partially covered by the business’s insurance, so it is best to check with the salon first. You may want to ensure you are fully protected, you might want to consider your own insurance policy in place as well.

What is Public and Products Liability for hair and beauty?

Public liability insurance can protect you, your employees and your business against legal action in the event of the following:

• where there is a treatment risk such as Illness or injury caused by a product you use or a business activity (e.g. a client suffers from an allergic reaction after a particular treatment)

• damage to someone’s property caused by a business activity such as getting bleach on a clients clothing

• an injury or accidental damage caused by someone you employ

Please note: If you employ anyone in your business, it is a legal requirement that you have employers’ liability insurance as well.

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The hair & beauty kit

A guide to starting a beauty business

Looking to start your own beauty business? Here is our ultimate guide on how to get started.

Read our business guide here

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We're bringing you our ultimate giveaway to win £500 for you to spend on supplies at Amazon.

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*98% - taken from our annual Ripe customer survey, October 2022.

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