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Underwritten by Aviva Insurance Limited
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Freelancer Insurance

Freelancer insurance for Hair and Beauty specialists:

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

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Why should you consider insurance as a freelancer?

What you do may not seem dangerous, but as with all small businesses, accidents can still happen.

Specialist freelance insurance is designed to protect your business against claims from clients and provides financial protection if anything happens to your equipment or business premises.


Freelancers who employ others are legally required to have Employers’ Liability cover to protect them against employee personal injury claims.

As an expert in your field, you understand the value of protection. Just like you offer your clients top-notch services, securing your freelance career is equally important. Insurance gives you the power to shield your hard-earned reputation, defend against uncertainties, and keep your passion for freelancing thriving. Trust in insurance, crafted by experts for experts like you.

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.

We'll beat your renewal quote

Receive our best price without compromising on the quality of coverage.

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 freelance 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 £3m.

What's not covered

  • Working abroad

Policyholders working in the UK can only be covered. Claims brought in from another country cannot be covered.

  • Treatments involving the use of injections

Cover will not be included for any treatment involving the use of injections, alongside a list of specifically excluded treatments.

  • Injury to the public whilst teaching

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

  • Closure due to disease

Business interruption cannot be covered due to disease outbreaks classified as pandemics by the World Health Organisation.

  • 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 buildings, shop front, and contents cover

Excludes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.

  • 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.

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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

Beauticians

Nail Technicians

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

Makeup artist insurance FAQs
  • What insurance should I consider as a makeup artist?

    • Your cover depends on what you want to protect your business against, but the three main types of makeup artist insurance are:

      • Public Liability—this covers your legal liability to third parties for treatment risks, personal injury or property damage.

      • Employers’ Liability—this is a legal requirement for businesses with employees and covers their legal liability to them for bodily injury.

      • Equipment Cover— this can cover for theft or accidental damage to your business equipment, such as your brushes or even your laptop which you use to manage your accounts and website.

      You may want to include Money Cover to provide financial protection if money belonging to your business is stolen from your premises or in transit. This can be useful for mobile makeup artists that deal in cash.

      Buildings Cover is an additional option if you want financial protection for a beauty salon you own or are responsible for if the building or contents are damaged.

    How much does makeup artist insurance cost?

    • Many factors can affect the cost of your makeup artist insurance, such as:

      • amount of experience.

      • where your business is based.

      • the type and level of cover you choose.

      At Ripe, we like to keep insurance simple, and we don’t believe you should pay for cover you don’t need. You can save time and money by creating your own policy through an instant online quote.

    What is Public Liability insurance for makeup artists?

    • When you’re applying makeup, there is a risk of your client suffering an injury and holding you liable. Mobile makeup artists also run the risk of damaging their client’s property.

      For example, despite using high-quality products, a client may still suffer an allergic reaction, or you could spill foundation on their expensive new rug.

      Public Liability insurance protects your legal liability if a claim is made against you or your employees for injury or damage to third-party property.

      At Ripe, we provide up to £10m Public Liability insurance for makeup artists so you can run your business stress-free.

    Why should makeup artists consider equipment cover?

    • No makeup artist expects to cancel appointments and lose income due to their equipment being damaged or stolen. But unfortunately, running a business comes with these risks.

      If you weren’t insured and had to cover the repairs or replacement costs yourself, your business could run into financial difficulty.

      With Ripe, you can include specialist Equipment cover up to £10,000 to protect your gear against theft and accidental damage, so you can continue serving clients without much disruption.

    What is Employers’ Liability insurance for makeup artists?

    • It only takes one employee to become ill or injured whilst working for you for a claim to be made against your business.

      That’s why most UK businesses are legally required to have Employers’ Liability insurance. This covers your costs and legal expenses in the event of a claim.

      Here at Ripe, we offer £10m Employers’ Liability cover as standard so you can operate your business with peace of mind.

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Help and advice for your business

A guide to starting a beauty business

Looking to start your own beauty business? Here is our ultimate guide on how to get started.

Read our business guide here

The ultimate guide to hairdresser equipment

As a hairdresser, it's vital that you have the right tools. Here is our guide on getting the best equipment.

June 23

How to become a makeup artist
June 23

The top 10 makeup artist chairs on the market
June 23

How to rent a chair in a salon

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