There’s no better feeling than helping your clients look and feel their best, but accidents can happen. Whether it’s a client injury claim or accidental property damage, specialist insurance can protect your business.
At Ripe, we arrange tailored cover for mobile and self-employed professionals, as well as salon owners. This cover helps safeguard your business so you can focus on growing your brand with confidence.
Public and Products Liability—up to £10m cover included as standard for protection against third-party claims for injury or property damage.
Treatment risk cover—protects your liability against third-party claims following beauty treatments up to the value of £3m.
Contents, stock, and shop front cover—includes fixtures and fittings, up to a combined value of £250k.
Employers’ liability—protects your liability following illness or injury to an employee up to the value of £10m.
Buildings cover—up to £500k of cover for your salon’s building, including any outbuildings, walls, gates, and fences.
Teaching cover—provides teaching cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.
Money cover—covers 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—up to £100k for costs incurred from defending or pursuing a claim for a range of legal issues.
Working abroad—only policyholders working in the UK can be covered.
Treatments involving the use of injections—alongside a list of specifically excluded treatments.
Injury to the public whilst teaching—students must have their own cover to protect their liability.
Theft from unattended and unlocked vehicles—theft from unattended vehicles cannot be covered unless all points of access are locked, or the vehicle is stolen at the same time.
Exclusions to money cover—excludes theft from employees if not reported to the police within 7 days and theft from an unattended vehicle.
Read our mobile, freelance and rent a chair or salon owner product information documents for full cover details.
Your business is unique to your skills, and your work is unique to each client. That’s why hair and beauty insurance through Ripe offers a fresh perspective on your individual requirements.
Select your profession below for a full list of treatments included in the cover:
Beauty Therapists
You can also extend your cover to include any of the following non-standard treatments:
We’re committed to beating your renewal quote. That means you can receive our best price without having to compromise on the quality of coverage.
Get insured today or lock in today's price with the flexibility to start your policy anytime within the next three months.
The cost of your policy varies based on several factors, including:
Since every policy is different, the best way to learn the cost of an insurance policy through Ripe is to get an instant online quote.
Unless you employ others as part of your business, insurance is not a legal requirement. However, if you have at least one employee, you must have Employers’ Liability cover.
Even as a sole trader, insurance can help to protect you against risks like theft, property damage, or third-party claims—any of which could have a significant financial impact.
If your employed by a salon, your employer should have the necessary insurance in place, but it’s always worth checking what coverage they provide.
While it’s not legally required, having insurance can give you reassurance that you’re covered against worst-case scenarios, such as client injuries, treatment reactions, or property damage. If you’re renting a chair in a salon, you may not be covered by the owner’s policy and therefore wish to opt for specialist cover.
From mastering your craft to managing your salon and staying ahead of trends, our guides have expert insights to help you thrive in the industry!
Check out our blogLooking to start your own beauty business? Here is our ultimate guide on how to get started.
Read our guide hereYou can get the specialist cover you need easily, leaving you to focus on your clients.
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.
Over 320,000 happy Ripe customers already trust us for their insurance cover. Join them and enjoy the confidence it brings.
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.
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
Find out moreIf you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Salon/Business Insurance Booklet (PDF 441 KB)Freelance or Mobile Insurance booklet (PDF 367 KB)Salon/Business Summary of Insurance (PDF 242 KB)Freelance or Mobile Summary of Insurance (PDF 243 KB)Legal Expenses Insurance Booklet (PDF 303 KB)Legal Expenses Insurance Product Information Document (PDF 354 KB)*98% - taken from our annual Ripe customer survey, October 2022.
Content reviewed: 18th February 2024
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