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Beauty Salon Insurance

Beauty salon insurance with individuality

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

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What insurance does a beauty salon need?

As a salon owner, if you employ staff, you’re legally required to have Employers’ Liability cover to protect your business against claims of injury or illness to employees. However, additional beauty salon insurance, such as Contents or Business Interruption cover, can provide extra peace of mind.

Let’s say a fire breaks out in your salon, damaging your equipment and forcing you to close temporarily. Specialist beauty salon insurance could cover the costs of repairs and lost income, helping you reopen quickly and avoid financial setbacks.

Why choose beauty salon insurance through 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.

Explore Page

Our cover
Important documents
Why choose us?
FAQs
Help and advice

What does beauty salon insurance cover?

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. Included as standard for salons.

  • 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 £2.5k.

  • 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 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.

  • 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 salon owner product information documents for full cover details.

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Treatments we cover

Your business is unique to your skills, and your work is unique to each client. That’s why beauty salon 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:

Professions

How much does beauty salon insurance cost?

The cost of your policy varies based on several factors, including:

  • your location
  • number of employees
  • the type and level of cover you choose

You can get an instant online quote for beauty salon insurance through Ripe to learn the cost of your cover.

Beauty salon insurance FAQs
  • What are the legal requirements for a beauty salon?

    • In the UK, beauty salons must:

      Additional requirements may include local authority licenses, complying with COSHH for handling chemicals, and adhering to GDPR for client data protection. Specific treatments may require special licenses or certifications—you can check with your local authority and confirm that your beauty salon insurance covers the services you offer.

    Why should I consider additional beauty salon insurance?

    • While Employers’ Liability is covered as standard, you may want to consider optional extras for added protection against the risks of running a salon. These can include cover for your contents, stock, and shop front, or money cover for cash stored in your salon.

      For example, if your salon is targeted by thieves and cash is stolen from your till, having money cover in place could allow you to claim up to £2.5k, helping to reduce the financial impact on your business.

    Do you need salon insurance to sell beauty products?

    • While beauty salon insurance isn’t legally required to sell products, having cover can protect your business from third-party claims, such as allergic reactions or injuries caused by the products you sell.

    Does beauty salon insurance cover employee accidents or injuries?

    • Yes—beauty salon insurance includes Employers’ Liability cover as standard, as it is a legal requirement in the UK. It protects your business from claims made by employees who are injured or become ill due to their work in your salon.

    Do I need insurance to teach others in a college or teaching facility?

    • While it’s not compulsory, you may want to consider teaching cover to protect yourself and your beauty salon against potential negligence claims.

      Let’s say one of your students fails to qualify and sues you for retraining costs. Teaching cover could provide financial protection so that any disruption to your business is kept to a minimum.

Beauty salon business advice

Beauty professional & salon blog

Expert tips, advice, and guides for beauty professionals and salon owners

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 blog

Open your own beauty salon

11 tips on opening a beauty salon

If you’ve ever thought about setting up your own business but are unsure how to open a beauty salon, you’re in the right place. Here are 11 tips on how to open a beauty salon in the UK and the steps to take to get there.

Read our tips

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

Beauticians

Nail Technicians

 

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: 26th February 2025

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