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Hair Salon Insurance

 Hair salon insurance with individuality

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

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What is hair salon insurance?

Hair salon insurance safeguards your business against financial setbacks by covering Public and Products Liability, Employers’ Liability, and more. Running a salon comes with its own risks, whether it’s accidental injuries, damaged equipment, or treatment-related claims. Having cover in place means you can focus on running your salon and providing great service, knowing you have protection against the unexpected.

Why choose hair 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.

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

What does hair 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 hair 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 hair 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

What insurance do I need for a hair salon?

Hair salon owners who employ staff are legally required to have Employers’ Liability cover, so the business is protected against employee illness or injury claims. Other forms of hair salon insurance, such as Contents or Public and Products Liability cover, can reassure you against the worst-case scenarios.

For example, say your hair-styling equipment is stolen during a break-in, or a client has an allergic reaction following a patch test—specialist hair salon insurance could prevent these situations from having a significant financial impact on your business.

How much does hair salon insurance cost?

The cost of your hair salon insurance policy depends on various factors, such as:

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

At Ripe, our straightforward quote process means you’ll be able to get a price for protecting your hair salon in just a few minutes. Get an instant online quote here.

Hair salon insurance FAQs

Hair 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

Grow your hair salon business

8 top marketing tips for salons

From using social media and gathering reviews to offering online booking and promotions, these strategies can attract new clients and keep your schedule full.

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

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: 27th February 2025

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