Hair and beauty insurance to suit your style
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Why choose Ripe for hair and beauty insurance?
Specialist cover for hair and beauty professionals, with options, simple claims, and financial protection tailored to your business needs.
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Cover for teaching and training
Protection includes cover for teaching students, so you are supported when providing training as part of your business.
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Freelance cover that moves with you
Your equipment can be covered while travelling between appointments, so you have help to stay protected where your work takes you.
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Build your cover online, your way
Create a policy that fits your business with a quick and simple online experience. Choose the cover your business needs, leave out what it doesn't, and only pay for what applies.
Insurance for hair and beauty specialists
Helping clients feel their best is at the heart of what you do. From busy days in the salon to appointments on the move, your work is personal, practical and people focused. With treatments, tools and clients involved, accidents can happen. A slip, a reaction or damage to someone’s property can quickly become more than just an awkward moment.
Hair and beauty insurance by Ripe is built around the realities of your work. It supports mobile professionals, freelancers, salon owners and their teams, helping you focus on your clients and your business with more confidence.
Hair and beauty trades covered
barber shop
Barber shops
Can’t see your profession? View the full list of treatments or get in touch.
What does hair and beauty insurance cover?
Hair and beauty insurance can cover essential protections such as public and products liability and treatment risk, with optional extras to tailor your cover for your business and equipment.
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
Meet our hair and beauty insurance expert
“Working as a hair and beauty professional can come with risks, whether you’re self-employed or work in a salon. To ensure your treatment cover remains valid, you must hold the appropriate qualifications for the treatments you provide, obtained from a teaching establishment accredited by the relevant UK governing body.”
Richard Pearson
Product underwriter
Hair and beauty insurance FAQs
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The cost of your policy varies based on several factors, including:
your location
your experience level
the type of cover you choose
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.
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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.
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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.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: January 2026
Content reviewed by: Richard Pearson