Hair & Beauty Insurance

Flexible & tailored policies for the hair and beauty industry

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Specialist insurance for hair and beauty businesses

Get bespoke and flexible cover for your hair & beauty business arranged today

Having your own hair and beauty salon should be an exciting and rewarding experience, but you need to consider how to protect your business to ensure your financial security in the event of something going wrong. If you own a salon, you need to have a comprehensive insurance policy in place. The Insurance Octopus is able to specifically tailor Hair and Beauty insurance around your personal needs, with you, your business and the range of services and treatments you offer at the forefront. As a result you will be covered for all eventualities, ensuring you can carry on doing what you do best with the added peace of mind that you are completely covered through The Insurance Octopus.



What your hair & beauty insurance policy includes



Our hair and beauticians insurance policies are specially designed and tailored with you in mind to match your exact requirements. For peace of mind, we can help you to tailor your insurance to provide additional covers as and when you need them with the flexibility of being able to add them at any point during the policy year. This is particularly useful if you decide to offer additional treatments and services during the length of your policy.

Public & Product Liability insurance
Public Liability insurance cover is available as standard from £1 to £5m, higher limits are available upon request. Should one of your customers or a member of the public be hurt, or their property become damaged as a result of your negligence, public liability insurance for the hair and beauty sector will protect you.

Treatment Risks
Treatment Risks are an extension of your public liability policy, and covers you in the event of a claim being made against you if one of your treatments causes an injury to a client.

Employers Liability insurance
Employers Liability insurance cover is mandatory if you have one or more employees. Employers Liability cover comes as standard at £10m and will protect you, as the employer, against claims from your staff should they be hurt when working for you.

Business Contents, Stock & Money cover
Business contents & stock cover will include your trade contents, fixtures and fittings, stock, employees and customers’ personal effects. With Business Money cover also available to protect your businesses cash whilst on the premises during working hours.



Types of hair & beauty treatments & businesses we cover



As a broker we are able provide cover for a wide range of treatments such as: Waxing, nails, hair, Beauty, Piercing, Make-up, Hair removal, Skin treatments, Tanning, Solarium, Piercing, Massages and more. With cover available whether you work from home, own a salon, rent a chair or operate as a mobile operator.

Giving Hair and Beauty professional’s access to

a comprehensive range of insurance covers.

Considered Business Interruption Insurance?

In the unlikely event that something happens to your business premises, have you considered what impact this may have? Many businesses don’t and then suffer the consequences as a result. Business Interruption insurance covers the loss of income from being unable to trade as a result of insurable claim such as fire, flood, or storm damage among others. This could be vital to some businesses dependent upon the length of time they are unable to trade.

The right cover, at the right price

The Insurance Octopus compares quotes from a range of insurers ensuring we deliver the right cover for your business at a price that’s right for you. In addition, we have the ability to bolt on extra covers that you won’t necessarily be able to get from other hair and beauty insurance providers.

Why choose us for Hair & Beauty Insurance?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, which is why we offer up to £5 million worth of public liability cover for hair & beauty professionals.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A specialist who knows your industry

We'll connect you with an agent who specialises in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

Octopus customer rewards

We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

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Hair & Beauty Insurance FAQ's

Get the answers you're looking for

Do I need treatment cover?

When considering whether to take out treatment risks cover you will want to consider whether the work you carry out could result in you or your employees inadvertently causing damage or harm to the person or item they are working on. Also you’ll want to consider the extent of any compensation claims should something go wrong. With this in mind treatment risks cover is often a highly valuable and critical protection to have in place for anyone working in the hair and beauty industry.

Do I need treatment cover?

Understanding public liability cover for hair & beauty

Public Liability insurance helps protect hair and beauty related businesses by providing protection against claims for compensation due to injury or damage to property as a result of the actions of yourself or your employees. For example, a customer trips over some loose flooring in your salon and breaks their ankle.

Understanding public liability cover for hair & beauty

What is business interruption cover?

In the unlikely event that something happens to your business premises, have you considered what impact this may have? Many businesses don’t and then suffer the consequences as a result. Business Interruption insurance covers the loss of income from being unable to trade as a result of insurable claim such as fire, flood, storm amongst others. This could be vital to some businesses dependent upon the length of time they are unable to trade.

What is business interruption cover?

Can you provide cover if I have been trained abroad?

If you don’t have a UK recognised qualification you will need to send translated copies of your certificates to us for approval. However, in the majority of cases, we will require you to complete a UK recognised course in order to provide cover.

Can you provide cover if I have been trained abroad?

Do I need buildings insurance?

Do you own your shop premises? If so buildings insurance should be a top consideration. In some instances where you don’t own your shops building you may also be required to have your own buildings insurance policy in place, so it’s worth checking the terms of your lease to find out if that is the case.

Do I need buildings insurance?

Do I need goods in transit cover?

With Goods in Transit cover in place we’ll be able to cover you if your goods are lost or damaged while in transit. Even if they’re in transit with a third party such as Royal Mail or DPD. A very useful cover for shops to have as their goods may regularly be in transit.

Do I need goods in transit cover?

How hair and beauty insurance works

Examples of Hair & Beauty Insurance in action

A bad case of UV burns

Following a first time visit to a tanning salon a young lady later suffered from bad burns and blisters due to over-exposure of UV light. This was all due to her being given incorrect information by a new starter at the salon who advised her at the time that the recommended maximum usage was 10 minutes when in fact it was half that at 5 minutes.

As a result of the young lady’s skin being burned so badly hospital treatment was required along with time off work to make a full recovery, which resulted in a loss of wages. Additional training for the staff was required to be provided by the salon but the treatment risk extension of the hair and beauty policy covered the salon for the losses as a result of the compensation claim.

A case of property damage

Whilst working on a clients hair a beautician accidentally knocks over a bottle of hair dye. The fallen bottle causes a spill covering a seating area which also happens to be where another client has left her handbag. The handbag is of significant value (£2,000), with the owner of the handbag thus later seeking compensation to repair or replace the property in question. Our hair and beauty policies come with Public Liability cover as standard, which provides protection against such claims.

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