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Underwritten by Aviva Insurance Limited
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Hair Extensionist Insurance

Hair extensionist insurance with individuality

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

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What is hair extensionist insurance?

Whether you work from a salon or visit your clients directly at home, there are many risks that can arise from working with the public.

Hair extensionist insurance can give you peace of mind that you’ll be protected in the worst-case scenarios. 

Why should I consider hair extensionist insurance?

Launching a new venture as a hair extensionist is thrilling to say the least, but the increased responsibility of managing your own business can carry its risks.

There are obvious theft, damage, or injury risks that could leave your business responsible for unexpected costs.

For example, one of your clients could suffer an allergic reaction from the glue used to install their hair extensions and decide to make a claim against you. Specialist hair extensionist insurance could prevent your business from incurring huge legal costs.

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 hair extensionist insurance with Ripe cover?

What's covered

  • Treatment risk cover

Protects your liability against third-party claims for injury or property damage following beauty treatments up to the value of £5m.

  • 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.

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 or property damage to models

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

  • Closure due to disease

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

  • Theft from unattended and unlocked vehicles

Theft from unattended vehicles unless all points of access are locked or the vehicle is stolen at the same time, cannot be covered.

  • Legal cases with a low chance of winning

There must be a 51% chance of winning the case or achieving a positive outcome for us to cover legal costs.

  • Exclusions to buildings, shop front, and contents cover

Includes 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

Includes 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

Hair extensionist insurance FAQs
  • Do hair extensionists need insurance?

    • If you do not employ others as part of your business, then whether you get insurance is entirely down to you.

      However, if you do have employees, then you are legally required to take out Employers' Liability cover.

    How much does hair extensionist insurance cost?

    • There are many factors at play when it comes to the cost of your hair extensionist insurance, such as:

      • whether you’re freelance or employ others
      • your number of employees (if relevant)
      • the location of your business
      • your chosen level of cover

      All the above will impact the cost of your policy. 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 need.

      You can create a policy tailored to your specific requirements by using our instant online quote process today. 

    Is there a difference between freelance and mobile hair extensionist insurance?

    • Freelance and mobile hair extensionists aren’t necessarily the same thing. For example, you could still work on a mobile basis on behalf of a salon or hair extension business ran by someone else.

      However, most freelance and mobile hair extensionists have the same insurance requirements, as they typically run their own businesses away from a salon.

    What is the best insurance for a self-employed hair extensionist?

    • This depends solely on your personal requirements, as only you can decide what cover is best for your business.

      At Ripe, we believe you should only pay for the cover you need, which is why you can create your own online quote within minutes on our website.

    What is Public Liability insurance for hair extensionists?

    • Public Liability cover is a form of hair extensionist insurance that protects you against third-party claims for personal injury or property damage that could arise through working with the public.

      Say you accidentally singe a client’s designer coat with your heating element. Having Public Liability cover in place could provide financial protection if a claim is made against your business.

      Here at Ripe, Public Liability cover is included as standard, so you would be covered in this scenario.

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