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Underwritten by Aviva Insurance Limited
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Salon Insurance

Salon insurance with individuality

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

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What is Salon insurance?

Salon insurance is financial protection that covers your business for various unexpected events. Depending on your chosen level of protection, a policy can include cover for theft or damage to your equipment, or your liability to employees and customers.

Salon ownership, an art and expertise combined. Just like you make your clients look amazing, it's important to think about protecting your salon like a valuable masterpiece. Insurance acts like a protective shield for your business, guarding you from potential risks, problems, unforeseen mishaps, accidents, and liabilities. 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 beautician 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 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.

  • 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

 

We also cover a list of treatments included as standard for each trade. You can view them 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

Beauty salon insurance FAQs
  • How much does beauty salon insurance cost?

    • The cost of beauty salon insurance varies as many factors can affect the insurance you choose, including:

      • number of staff you employ.

      • where the business is based.

      • the type and level of cover you choose.

      At Ripe, we try to keep insurance simple and believe you should only pay for the cover you need. You can get an insurance quote online quickly by providing some details about your business. 

    Why should I consider beauty salon insurance?

    • You may not see operating a beauty salon as a high-risk venture, but as with all small businesses, accidents can still happen.

      Specialist beauty salon insurance is designed to protect your business against costly claims from employees or clients and provides financial protection for your equipment and business premises if anything is damaged or stolen.

      Say one of your employees trips on a wet floor and makes a claim against you, or the business property you own is damaged in a fire- having the correct beauty salon insurance can protect your business in the worst-case scenarios.

    What does beauty salon insurance cover?

    • Your chosen level of cover depends on what you want to protect your business against, but the three main types of beauty salon insurance are:

      • Public and Products liability - this cover is included on all policies and protects you against third-party claims for personal injury or property damage.

      • Treatment Risks - this ensures that if a treatment were to cause damage to your client, such as an allergic reaction you are covered.

      • Employers’ Liability - this cover is a legal requirement if you employ others in your salon.

      You may want to include Money Cover to provide financial protection if money belonging to your business is stolen from your salon or in transit. This can be especially useful if you deal in cash.

      Buildings Cover is another option if you wish to protect a premises you own or are responsible for if the building or contents are damaged.

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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.

Read our guide here
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13 skills every hairdresser needs to thrive
June 23

How much money does a hairdresser make?
June 23

How to rent a chair in a salon

*10% discount is applied to the first year's policy premium. 

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