Salon insurance is a specialist package policy for hair salons, beauty salons, nail bars, and similar businesses. Core covers include public liability (covering claims from clients injured or whose.
Salon insurance is a specialist package policy for hair salons, beauty salons, nail bars, and similar businesses. Core covers include public liability (covering claims from clients injured or whose property is damaged in your salon), employers liability (required if you have staff), treatment risk cover (protecting against claims arising from treatments you provide), and contents cover for your equipment and stock. Buildings cover can be added if you own your premises.
Treatment risk cover is a critical component of salon insurance that is not always included in standard business policies. It covers claims arising from treatments you provide, such as allergic reactions to hair dye or beauty products, burns from heat treatments, or injuries from nail or beauty procedures. Without treatment risk cover, claims arising directly from your services may not be covered. Focus Insurance ensures this cover is included as standard when arranging salon insurance.
If you employ staff — including part-time workers, apprentices, or self-employed stylists who work under your direction — you are legally required to hold employers liability insurance with a minimum limit of £5m. This covers claims from employees who are injured or become ill as a result of their work in your salon. Failure to hold employers liability insurance when required is a criminal offence and can result in significant fines.
The position depends on the nature of the working arrangement. If a self-employed stylist works under your direction and control, they may be treated as an employee for insurance purposes and should be covered under your employers liability policy. If they operate independently and simply rent a chair, they should hold their own public liability and treatment risk insurance.
Treatment risk insurance covers claims arising from treatments you provide, such as allergic reactions, burns, or injuries caused by salon services. It is distinct from public liability insurance, which covers general injuries on your premises. Many standard business policies do not include treatment risk cover, so it is important to confirm this is included when arranging salon insurance.
Salon insurance premiums depend on the size of your salon, the number of staff, the types of treatments you offer, your turnover, and your claims history. Focus Insurance approaches specialist insurers to find competitive terms. Call us on 01733 263311 for a discussion about your specific requirements.
Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).