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Underwritten by Aviva Insurance Limited
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Beauty Therapist Insurance

Beauty therapist insurance with individuality

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

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What is beauty therapist insurance?

Whether you work from a salon or visit your clients directly at home, beautician insurance is your peace of mind that you’ll be protected should the unexpected happen.

Beauty therapist insurance covers a range of treatments, and will cover your legal fees or the cost of damages owed should something go wrong.

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?
FAQs
Help and advice

What does beauty therapist insurance with Ripe cover?

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.

View the full list of treatments we cover.

What's not covered

  • Working abroad

Only policyholders working in the UK can be covered. Claims brought in from another country cannot be covered.

  • Injury to the public whilst teaching

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

What's optional

  • Contents, stock, and shop front cover

You can cover your contents, stock, shop front, fixtures, and fittings up 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.

Get a quote

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

Beauty Salon

Eyelash Extension

 

We also cover a list of treatments included as standard for each trade. You can view them here.

 

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

Beauty therapist insurance FAQs
  • How much does beauty therapist insurance cost?

    • There are multiple factors at play when it comes to the cost of your beauty therapist insurance, such as:

      • your experience

      • number of employees

      • location

      • your chosen level of cover

      All of the above will impact the cost of your insurance. However, at Ripe, we like to keep insurance as simple as possible, and we don’t believe you should ever pay for cover you don’t actually need.

      Save time and money with us by creating a bespoke policy that’s tailored to your specific requirements. Get a quote in minutes today.

    Why should a beauty therapist consider insurance?

    • There are several reasons why a beauty therapist should consider insurance.

      Let’s say a client complains that treatment carried out by you has caused them injury or illness—such as a burn, scarring, or an allergic reaction. Specialist beautician insurance would cover you for any legal fees or compensation awarded to your client if you found to be negligent.

      Again, let’s say you work in a busy salon, and a client (or any other person present) trips over your bag or stray equipment cables and badly injures themselves. Public Liability insurance would cover any claims they may make against you. Similarly, you’d also be covered if you visit a client’s home to carry out treatment and accidentally damage their property whilst there.

      As a beautician, the chances are you’ll own various bits of expensive equipment, too. Specialist insurance will cover you for theft and accidental damage. If you own a salon that employs multiple beauticians and other members of staff, you also legally required to have Employers’ Liability cover.

    What type of insurance should a beauty therapist consider?

    • Beauty therapist insurance comes in various forms depending on the nature of your business.

      Public Liability

      This covers your legal liability to third parties (clients and other members of the public) for personal injury or damage to property. With Ripe, you can get Public Liability cover for £1.25m, £2.5m, £5m or £10m, as well as treatment risks for £1.25m, £2.5m and £3m, depending on the size and nature of your beauty business.

      Products Liability

      This covers you if you were to supply them with a faulty product, which causes them injury, illness, or damage to property.

      Employers’ Liability

      This is a legal requirement for most businesses with employees. It covers your legal liability for injury to staff while working for you. With Ripe, you can choose £10m Employers’ Liability cover.

      Equipment Cover

      This covers your beautician equipment if it is damaged or stolen, either at or away from your business premises. If you are mobile or a freelancer then you can be covered up to £10k, however salons can be covered up to £250k, dependent on contents, stock and shop front, fixtures and tenants’ improvements.

      Buildings Cover

      This is an optional layer of cover for the building you work in. If you own your salon, buildings cover can protect you if the building or its contents are damaged.

      Money Cover

      This is another optional extra layer of cover that provides financial protection should money belonging to your business be stolen from your premises or in transit. Money cover is particularly useful if you’re a mobile beautician that deals predominantly with cash.

    Beauty therapist insurance: self-employed vs staff beautician

    • The type of insurance you require will also depend on what type of beauty therapist you are, and the nature of your business.

      For example, if you own a salon that employs people, Employers’ Liability cover is a legal requirement. However, you won’t necessarily need this level of cover if you’re a self-employed or freelance beauty therapist.

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