Beauty Salon Insurance

AWARD-WINNING BEAUTY SALON INSURANCE

BEAUTY SALON INSURANCE COVER

Your beauty salon insurance is in safe hands. The Insync team pride themselves on their detailed understanding of the beauty industry. From day one, you will be allocated with your own dedicated beauty salon insurance advisor who will take their time to understand your business and tailor cover to meet your exact requirements. 

TREATMENT RISK INSURANCE FOR YOUR SALON

Insync beauty insurance policies are individually underwritten based on the specific treatments carried out by your business. We provide cover for standard hair and beauty treatments, which you can purchase online, including hair cutting and styling, manicures, spray tans and more. We can also cover a more advanced range of treatments, including Botox injections, Acid or Chemical Peels, and more.

LIABILITY INSURANCE FOR YOUR BEAUTY SALON

As a salon owner, you have a duty of care to your clients and employees to ensure they are in a safe environment. However, accidents like slips, trips and falls are commonplace even for the most vigilant of business owners. That is why Public LiabilityEmployers' Liability and Products Liability Insurance is so important for salons.

INSURE YOUR SALON EQUIPMENT & STOCK

We recommend you insure your equipment and stock under your salon insurance policy. Salon equipment such as dryers, tongs, brushes

Beauty equipment, contents (such as beds or tables), stock and aftercare products can also be covered, along with money, signage, and your salon glass front. We can also add business interruption, which covers fixed costs and loss of profits following a claim.

FIXTURES AND FITTINGS FOR YOUR SALON

Our salon policies include insurance for your fixtures and fittings such as glass fronts, signage, mirrors, chairs, including any tenants’ improvements you made to a space you lease.

SALON COMMERCIAL PROPERTY INSURANCE

If you own the property where your business is based, you should look to protect your building against fire, flood, theft and other perils. If you lease or rent the property, you should ensure that cover is arranged in respect of any tenants' improvements to the salon.

Woman having beauty salon treatment

Need specialist Beauty Salon Insurance advice?

Speak to one of our beauty salon insurance experts at a time that suits you...

or call us directly on

01200 309 516

BEAUTY SALON INSURANCE

  • Specialist cover for self-employed and freelance beauticians

  • Public Liability Insurance from £1m to £5m

  • Treatment Risk included as standard

  • Wide range of treatments (see policy for full details)

  • Beauty equipment, stock and specialist machinery

  • Money and legal expenses options

  • Hair & Beauty salon and Spa Insurance packages available

WHY INSYNC FOR BEAUTY SALON INSURANCE

  • We compare prices and cover from our panel of leading beauty salon insurers

  • Instant quotations - cover and policy documents in minutes

  • Flexible cover & monthly payments – just pay for the sections you need

  • Expert advice from hair and beauty specialists

  • 24 Hour Claims Helpline

  • Personal – Digital servicing AND your own dedicated insurance professional

FAQs for Beauty Salon Insurance

How Much does Salon Insurance Cover Cost?

If you are only looking for Standard Treatment cover, Public Liability and cover for your stock and equipment, you can find out exactly how much your insurance will cost immediately through our online quote and buy system. After getting your quote and are happy with the price (which we're sure you will be!) you can buy your cover completely online and receive your policy documents in minutes.

However, if you are looking for more extensive cover, i.e. commercial property insurance, employers' liability, advanced treatments etc. you will need to speak to one of our team who will be able to give you a personalised quote based on your business activities, our team will often be able to give you a quote in the same call, and cover can be arranged immediately over the phone.

Do I need Employer's Liability Insurance for my salon?

Employers' Liability insurance is a legal requirement in the UK for many businesses. If you are a limited company and have any employees or a non-limited company that employs anyone who is not an immediate family member, you will need to have adequate Employers' Liability.

Our expert team are on hand to ensure that you have the cover you need to meet the legal requirements. 

Find out more about Employers' Liability on our dedicated page here.

What standard beauty treatments can Insync cover online?

If you are only looking for standard cover, you can purchase Treatment Cover for the following treatments online today:

  • Washing, styling, cutting, drying, dyeing of hair and hair extensions
  • Tinting, bleaching, permanent waving, straightening of the hair or other special treatments of the hair or scalp and eyebrow plucking, shaping and tinting
  • Manicuring (including nail extensions and nail art) or pedicuring
  • Application of cosmetics, spray tans, Indian head massage or aromatherapy (other than aromatherapy to pregnant women), application of body jewels.
  • Piercing by the gun and stud method excluding piercing of the tongue or genitalia
  • Facials (including masks ionization and steaming, vacuum and AHA/glycolic acid peel treatments but not any other chemical peels)
  • Hair removal, wax or sugaring or other external body treatment preparations, electrolysis,
  • Hair removal using electrolysis equipment (provided that such equipment is inspected at least annually by a qualified electrical engineer and is operated by a qualified person).
  • Alternative therapies (Reiki, spiritual healing, readings etc.)
  • Body massage (including the use of hot stones, scrubs and masks)
  • Eyelash treatments including tinting, shaping, threading, extensions
  • Holistic Therapy, life coaching and counselling
  • Hopi ear candling
  • LED light therapy (excluding facials)
  • Henna brows
What advanced treatments can Insync arrange cover for?

Cover for case studies and students

Semi-Permanent make-up, Microblading, Scalp Micropigmentation

Radio Frequency (RF), Fibroblast, Plasma Skin Tightening treatments, Plasma Pen and Touch Skin

Micro-needling, Derma-rollers, Dermapen

Red veins, thread veins, milia, spider veins, skin tags, verrucae, non-benign warts – APPLICABLE FOR CYROTHERAPY, ADVANCED ELECTROLYSIS AND PLASMA

Cryo-lipolysis

Ultrasonic (lipo) cavitation

Ultherapy, High Intensity Focused Ultrasound (HIFU)

Photon Light Therapy and LED Facials

Dermaplaning

Microblading

Permanent Make-Up

ACTfast

Meta Therapy (Dermatude) and Mesotherapy and Nappage Mesotherapy

PRP Facials/Neck PRP/Scalp

BB Glow

Caboxytherapy

Coolsculpt/Cryotherapy/Shockwaves/Cryotherapy

LED Light Therapy

HIFU

HyaPen / Hyaluronic Pen

Case studies for the above treatments (up to 12) £85

Laser tattoo removal

Super Hair Removal

Saline removal

Piercing

Laser Hair Removal (Skin types 1 to 6)

Tattoo

Fat Dissolving Treatments & Injectables

Anti-wrinkle injectable treatments

Teaching & Teacher Training

Sunbeds & Tanning Salons

Do you cover aesthetic clinics under the beauty salon package?

Yes, if you run an aesthetic clinic, we can provide you with an insurance package similar to a beauty salon package. It would include all the standard business cover should you require this, also we would adjust the treatments on your policy to include those performed in your clinic. We have lots more information on our aesthetic cover here. For any advice or to build a unique policy get in touch with our advisors today.

Can you provide Personal Accident Cover for Salon Owners?

As a self-employed business owner, you can add-on your own Personal Accident Cover as part of your salon insurance package.

Our personal accident cover is split into two key areas:

  1. Capital Benefits providing lump-sum payments for life-changing events such as accidental death, paraplegia, quadriplegia or permanent disablement as well as permanent loss of limbs, sight, hearing or speech.
  2. Weekly Benefits which will assist in replacing lost income for the period you are unable to work following an accident allowing you to keep the mortgage and rental payments up-to-date. We can also extend cover for sickness subject to underwriter acceptance.

Find out more on our Personal Accident Insurance page here.

Do I need Products Liability Cover For My Salon?

At Insync, we include Products Liability in with our Public Liability policies as standard. As a salon, you may sell or hand out aftercare to your customers. If a customer or member of the public were to suffer an injury due to a product that you provided them, you could be legally liable for those injuries. Similarly, if a product you provide causes damage to property or even accidental death.

Products Liability will not cover you for allergic reactions and injuries caused by products you use as part of a treatment; this would typically come under your Treatment Liability cover. This is why we recommend a broad range of cover for all types of salons. 

What will Salon Liability Insurance cover?

In the case of Public Liability, Products Liability and Employers' Liability. Your liability cover will provide financial aid if an individual suffers a personal injury, property damage or accidental death while in your salon as a client, while you visit their property, while they work for you or as a result of a product you have provided. Such incidents can result in costly court cases and even more costly compensation costs.

How Much does Salon Insurance Cover Cost?

If you are only looking for Standard Treatment cover, Public Liability and cover for your stock and equipment, you can find out exactly how much your insurance will cost immediately through our online quote and buy system. After getting your quote and are happy with the price (which we're sure you will be!) you can buy your cover completely online and receive your policy documents in minutes.

However, if you are looking for more extensive cover, i.e. commercial property insurance, employers' liability, advanced treatments etc. you will need to speak to one of our team who will be able to give you a personalised quote based on your business activities, our team will often be able to give you a quote in the same call, and cover can be arranged immediately over the phone.

Do I need Employer's Liability Insurance for my salon?

Employers' Liability insurance is a legal requirement in the UK for many businesses. If you are a limited company and have any employees or a non-limited company that employs anyone who is not an immediate family member, you will need to have adequate Employers' Liability.

Our expert team are on hand to ensure that you have the cover you need to meet the legal requirements. 

Find out more about Employers' Liability on our dedicated page here.

What standard beauty treatments can Insync cover online?
  • Washing, styling, cutting, drying, dyeing of hair and hair extensions
  • Tinting, bleaching, permanent waving, straightening of the hair or other special treatments of the hair or scalp and eyebrow plucking, shaping and tinting
  • Manicuring (including nail extensions and nail art) or pedicuring
  • Application of cosmetics, spray tans, Indian head massage or aromatherapy (other than aromatherapy to pregnant women), application of body jewels.
  • Piercing by the gun and stud method excluding piercing of the tongue or genitalia
  • Facials (including masks ionization and steaming, vacuum and AHA/glycolic acid peel treatments but not any other chemical peels)
  • Hair removal, wax or sugaring or other external body treatment preparations, electrolysis,
  • hair removal using electrolysis equipment (provided that such equipment is inspected at least annually by a qualified electrical engineer and is operated by a qualified person).
  • alternative therapies (Reiki, spiritual healing, readings etc.)
  • body massage (including the use of hot stones, scrubs and masks)
  • eyelash treatments including tinting, shaping, threading, extensions
  • Holistic Therapy, life coaching and counselling
  • Hopi ear candling
  • LED light therapy (excluding facials)
  • henna brows
What standard beauty treatments can Insync cover online?
  • Washing, styling, cutting, drying, dyeing of hair and hair extensions
  • Tinting, bleaching, permanent waving, straightening of the hair or other special treatments of the hair or scalp and eyebrow plucking, shaping and tinting
  • Manicuring (including nail extensions and nail art) or pedicuring
  • Application of cosmetics, spray tans, Indian head massage or aromatherapy (other than aromatherapy to pregnant women), application of body jewels.
  • Piercing by the gun and stud method excluding piercing of the tongue or genitalia
  • Facials (including masks ionization and steaming, vacuum and AHA/glycolic acid peel treatments but not any other chemical peels)
  • Hair removal, wax or sugaring or other external body treatment preparations, electrolysis,
  • hair removal using electrolysis equipment (provided that such equipment is inspected at least annually by a qualified electrical engineer and is operated by a qualified person).
  • alternative therapies (Reiki, spiritual healing, readings etc.)
  • body massage (including the use of hot stones, scrubs and masks)
  • eyelash treatments including tinting, shaping, threading, extensions
  • Holistic Therapy, life coaching and counselling
  • Hopi ear candling
  • LED light therapy (excluding facials)
  • henna brows

The following is acceptable subject to the therapist being NVQ Level 3 qualified or higher:

  • basic microcurrent
  • micro epidermal abrasion
  • LED light therapy including facials
What advanced treatments can Insync arrange cover for?
  • Cover for case studies and students

  • Semi-Permanent make-up, Microblading, Scalp Micropigmentation

  • Radio Frequency (RF), Fibroblast, Plasma Skin Tightening treatments, Plasma Pen and Touch Skin

  • Micro-needling, Derma-rollers, Dermapen

  • Red veins, thread veins, milia, spider veins, skin tags, verrucae, non-benign warts – APPLICABLE FOR CYROTHERAPY, ADVANCED ELECTROLYSIS AND PLASMA

  • Cryo-lipolysis

  • Ultrasonic (lipo) cavitation

  • Ultherapy, High Intensity Focused Ultrasound (HIFU)

  • Photon Light Therapy and LED Facials

  • Dermaplaning

  • Microblading

  • Permanent Make-Up

  • ACTfast

  • Meta Therapy (Dermatude) and Mesotherapy and Nappage Mesotherapy

  • PRP Facials/Neck PRP/Scalp

  • BB Glow

  • Caboxytherapy

  • Coolsculpt/Cryotherapy/Shockwaves/Cryotherapy

  • LED Light Therapy

  • HIFU

  • HyaPen / Hyaluronic Pen

  • Case studies for the above treatments (up to 12) £85

  • Laser tattoo removal

  • Super Hair Removal

  • Saline removal

  • Piercing

  • Laser Hair Removal (Skin types 1 to 6)

  • Tattoo

     

  • Fat Dissolving Treatments & Injectables

     

  • Anti-wrinkle injectable treatments

     

  • Teaching & Teacher Training

     

  • Sunbeds & Tanning Salons

Do you cover aesthetic clinics under the beauty salon package?

Yes, if you run an aesthetic clinic, we can provide you with an insurance package similar to a beauty salon package. It would include all the standard business cover should you require this, also we would adjust the treatments on your policy to include those performed in your clinic. We have lots more information on our aesthetic cover here. For any advice or to build a unique policy get in touch with our advisors today.

Can you provide Personal Accident Cover for Salon Owners?

As a self-employed business owner, you can add-on your own Personal Accident Cover as part of your salon insurance package.

Our personal accident cover is split into two key areas:

  1. Capital Benefits providing lump-sum payments for life-changing events such as accidental death, paraplegia, quadriplegia or permanent disablement as well as permanent loss of limbs, sight, hearing or speech.
  2. Weekly Benefits which will assist in replacing lost income for the period you are unable to work following an accident allowing you to keep the mortgage and rental payments up-to-date. We can also extend cover for sickness subject to underwriter acceptance.

Find out more on our Personal Accident Insurance page here.

Do I need Products Liability Cover For My Salon?

At Insync, we include Products Liability in with our Public Liability policies as standard. As a salon, you may sell or hand out aftercare to your customers. If a customer or member of the public were to suffer an injury due to a product that you provided them, you could be legally liable for those injuries. Similarly, if a product you provide causes damage to property or even accidental death.

Products Liability will not cover you for allergic reactions and injuries caused by products you use as part of a treatment; this would typically come under your Treatment Liability cover. This is why we recommend a broad range of cover for all types of salons. 

What will Salon Liability Insurance cover?

In the case of Public Liability, Products Liability and Employers' Liability. Your liability cover will provide financial aid if an individual suffers a personal injury, property damage or accidental death while in your salon as a client, while you visit their property, while they work for you or as a result of a product you have provided. Such incidents can result in costly court cases and even more costly compensation costs.

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Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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