Salon insurance

• Hair, nail and beauty salons — If you own a business that carries out treatments and procedures on customers like spray tans and gel infills to more invasive treatments like microblading and highlights, you should consider this cover.  
• Mobile salon businesses — If you own a mobile business, you’ll still need insurance to cover your back. For example, you tear someone’s nail bed during an acrylic treatment, or you scrape someone’s ear during a haircut, and they make a claim against you. 
• Home beauty businesses - Even if you operate at home, your home acts as your business’s front, and you’ll need insurance — especially if someone injures themselves in your home. 

Eyebrow tints, threading, waxing and sunbeds all come with different risks; that’s why it’s important your salon policy covers all the different treatments you sell. Your salon policy could include a combination of cover for the following treatments: 

• Eyelash extensions, lash lifts and tints 
• Brow tints, brow lamination, brow threading and henna brows 
• Skin treatments such as dermaplaning, microdermabrasion and microblading 
• All manicure and pedicure treatments 
• Spray tanning and sunbeds 
• Facials and massages 
• Hair cuts, colours and blow drys 
• Waxing 

If your beauty salon performs treatments that pierce the skin (with the exception of stud-gun ear piercings!) then you’re likely to have fewer insurers offering you a quote. This type of treatment is known as “invasive beauty” and often requires more specialist insurance due to the additional risk involved in the type of treatment. Our insurance team will be able to help find you a specialist insurer if needed. 

When sorting your shop insurance, it’s important to check for any policy exclusions so you can take out any extra cover if necessary. Look out for the following exclusions:

• Manual work away – Shops insurance provides cover on your specific premises, so if any of your income comes from work away from the premises – say you run a showroom for fitted wardrobes and installation is part of your business – you may need extra cover. 
• Break-ins and damage to property – Your insurer will specify the security measures you need to have in place as part of your property and may not pay out on claims made for theft that have been as a result of doors or windows being unlocked. You should check your insurance documentation carefully to make sure you comply with the security required for your property.
• Serving food - If you cook and serve food from your shop, your public liability insurance should cover you for any potential illness caused by your cooking. But you may need additional insurance to cover the extra risk posed by equipment like fryers. 

As a salon owner, you might have training beauty therapists or apprentices working for you, and they need to be covered by your policy. So, you must tell your insurer/broker you have students working in your salon so the right cover can be arranged. 

Keep in mind your policy will only be valid if you and your trainees stick to the following: 

• They only offer treatments or therapies they can do and have been professionally trained for 
• They must be under regular supervision by a qualified therapist 

Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see their requirements. 

At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.  

Our UK-based team helps business owners daily, using technology to compare business insurance quotes to find the right insurer that fits. Get in touch with us today by starting a quote online.