Beauty Salon Insurance UK
– Compare 2026 Quotes
Compare beauty salon insurance quotes from specialist UK brokers, covering public liability, treatment liability, professional indemnity and contents.
Get Your Beauty Salon Insurance Quotes
Compare quotes from specialist beauty insurance brokers
Quotes are provided by a panel of FCA-regulated insurance providers.
Get Multiple QuotesSpecialist cover for beauty professionals
MultiQuoteTime provides access to a panel of specialist beauty insurance brokers.
- Public and treatment liability cover
- Professional indemnity and contents options
- Cover for salons, spas and mobile therapists
- Multiple quotes from one quick form
What is Beauty Salon Insurance?
Running a salon carries risks that standard business insurance doesn’t always account for, from client treatments going wrong to damage to expensive equipment and stock.
Cover levels and pricing can vary significantly between insurers, especially around treatment liability for specific services, so comparing more than one quote matters before choosing a policy.
MultiQuoteTime provides access to a panel of specialist beauty insurance brokers via one quick form, at no cost to compare, so cover levels and quotes can be compared side by side.
A Guide to Beauty Salon Insurance
Multi Quote Time works in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers. These brokers work in the beauty insurance niche and will be in contact via the phone to provide you quotations based on your salon insurance business requirements.
Owning and running a salon can be fun and at times stressful. You strive to make your customers happy and build up relationships and lifelong customers. Sometimes customers complain, and normally this is easy to deal with. However, if a complaint is valid and serious, you run the risk of a costly liability claim.
What is the Average Price of Salon Insurance?
The cost will depend on a number of factors, a few of the key ones are listed below, but the list is by no means exhaustive. As in any type of insurance, you can take actions to lower the cost of your premium. The key to lowering your premium is lowering your risk to the insurance broker.
- Your annual turn over
- Number of years trading and history of claims. If you are just starting out, you have no control over this factor and will likely face a higher premium than someone trading over a few years with a good history of no claims
- How big is your operation, including the number of staff that you employ both full and part-time
- The level of cover required and additional extras that you wish to include.
Salon Insurance Checklist
- Take time to read your policy details, pay attention to both what is included and any exclusions that may be applicable.
- Do you need business equipment protection when you are providing service at a client’s house? This type of cover will cover your valuable equipment against theft, loss or damage
- If you are currently renting premises, do check with the landlord if it is your responsibility to take out building’s cover.
- If you employ staff, full or part-time you will be legally required to take out employer’s liability protection, very few exceptions exist. Employee liability protection will protect you against any claims that an employee may make against you for injury or illness on or off site.
- Work away cover. Do you at times visit a client’s house to provide a personal beauty service? If yes, then speak with your broker on how best include this extra cover into your salon insurance policy.
- Product liability, Product liability cover is able to protect your business against any medical and damage claims, including legal costs made against your business. Typical levels of product liability available range from £500,000 – £5,000,000
- Public Liability, given that accidents do happen, it is important to ensure you have the correct level of protection in your beauty salon policy. For example, application of a new product has resulted in a client having an adverse reaction, for example a skin rash. In such circumstances, the client can make a claim against you and your business for any distress and medical bills.
How Can I lower the Cost of Beauty Salon Insurance?
The cost of salon cover is based on a number of factors, some that you have control over and some that you have no control over. Take your post code, if your salon is in a location that has a high level of crime, your premium will be higher than an urban or small town postal code.
- Security : Making your premises secure will help lower the cost of salon insurance. If you have fitted good quality secure shopfront roller shutters, added additional lighting, installed CCTV or taken any other extra security measures let your broker know as this should help bring down your annual premium.
- Annual Payment: If you can afford to pay your premium off in one annual lump payment, then most brokers will reward you with a discounted quote. This may not be an option for a new startup and the broker will show flexibility by agreeing to a monthly or a quarterly payment scheme
- Excess : The excess is the amount that you are personally liable for in any claim. Increasing the excess amount is looked upon favourably by most brokers and should lead to a lower premium. This is great if you do not need to make a claim, but be prepared to lose that amount in the event of a claim.
- Compare: Research the cost by getting multiple quotes. This is the first step in finding cheaper quotes, but make sure it gives adequate business cover and the broker has a good reputation in handling claims quickly. This information can easily be found by checking online forums that are dedicated to this sector.
Compare the Cost of Salon Insurance with MultiQuoteTime
Finding the best salon insurance cover can be difficult. One step is to get as many quotes as possible from providers of insurance to this sector. With a good selection of quotes, you can then start comparing the terms and conditions. Working in partnership with QuoteZone a panel of brokers will provide you with insurance quotes, based on your requirements. Click or tap on the Start Quote button, enter some initial details and start receiving multiple quotes today.
Frequently Asked Questions
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