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Beauty Therapist Insurance

Beauty insurance with individuality

  • UK customer service team
  • Quick and simple process
  • Over 25 years' experience
  • Award-winning insurance

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What insurance do I need for my beauty business?

If you employ staff, Employers’ Liability insurance is legally required—it protects you against employee injury claims.

But even if you’re a self-employed or mobile beauty therapist, having beauty insurance can safeguard you from risks like property damage and client injury claims arising from treatments.

At Ripe, we arrange specialist beauty insurance with Public and Products Liability and Treatment Risk cover included as standard, so you can 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
FAQs
Help and advice
Why choose us?
Important documents

What does beauty insurance with Ripe cover?

Mobile, self-employed and salon owners

What's covered

  • 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.

View the full list of treatments we cover.

What's optional

  • 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 beauty business insurance 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.

What's not covered

  • 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 beauty therapist insurance 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. 

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Why consider beauty insurance?

As a beauty therapist, you help your clients look and feel their best—but the job comes with risks. Say your equipment is stolen, or a client files a claim due to an allergic reaction or injury—without specialist cover, you could face costly legal fees and compensation claims.

Beauty insurance can protect you against unexpected financial setbacks, keeping your business secure.

You can get an instant quote through Ripe today and treat your clients with confidence.

How much does beauty insurance cost?

Several factors affect the cost of beauty therapist insurance, such as your location, your experience level, and whether you opt for additional cover.

You can get an instant online quote through Ripe to check the cost of your beauty insurance policy.

Beauty insurance FAQs
  • Self-employed vs staff beauty therapist: what beauty insurance should I consider?

    • The type of beauty insurance you choose depends on your role as a beauty professional and the nature of your business.

      If you own a salon and employ staff, Employers’ Liability insurance is a legal requirement—it protects you if an employee makes a claim for work-related injuries or illness.

      If you’re self-employed, mobile, or freelance, you won’t need Employers’ Liability, but you may want to consider Public Liability and Treatment Risk cover for protection against client claims for injury or property damage.

    What is public liability insurance for beauty therapists?

    • Public liability cover provides financial protection if a client or member of the public claims compensation for accidental injury or property damage. This could include slips, trips, or damage to a client’s belongings while on your premises.

      It’s important to note that beauty public liability insurance does not cover claims directly related to the treatments you provide—these fall under Treatment Risk cover.

    Do beauty therapists need public liability insurance?

    • Beauty insurance is only legally required if you employ others as part of your business. However, you may want to consider professional indemnity insurance to protect yourself from third-party claims.

      Through Ripe, specialist beauty insurance policies include Public and Products Liability, as well as Treatment Risk cover, ensuring you’re prepared for unexpected incidents.

    Do I need permission to run a beauty business from home?

    • Yes, you’ll likely need permission, but this depends on your location and specific circumstances. You may need:

      • landlord or leaseholder approval if you rent your property or don’t own the freehold
      • planning permission if your beauty business changes the primary use of your property
      • compliance with health and safety regulations, such as those set by the Health and Safety Executive
      • business registration and tax compliance with HMRC if your turnover exceeds the threshold
      • insurance considerations—you may want to consider specialist hair and beauty insurance with public liability cover if your home insurance doesn’t cover business activities

      It’s a good idea to confirm the above with the relevant parties to ensure you’re being compliant.

      Read our ultimate guide on how to start a beauty business for more info.

Help and advice for beauty therapists

Beauty therapy & salon blog

Beauty therapy expert tips, advice, and guides

From perfecting your techniques to managing your beauty business and staying on top of trends, our guides offer expert insights to help you excel in the beauty industry!

Check out our blog here

15 beauty side hustles to try this year

Looking to earn extra income while using your skills, experience and indulging in your passion for beauty? We’ve got you covered with our guide to 15 beauty side hustles.

Read our guide 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

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.

 

Important documents

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

Content reviewed: 10th March 2025

Reviewed by: Charlotte Hughes

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