Shops & Trades Insurance

Salon & Beauty Insurance

Tailored protection for hair salons, beauty parlours, and treatment rooms. We arrange comprehensive cover for the unique risks of personal care services, from hairdressing to advanced aesthetic treatments.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Salon Insurance Cover?

Salon and beauty insurance addresses the specific risks of personal care businesses. Coverage typically includes:

Buildings Insurance

Protection for your salon premises including treatment rooms, reception areas, and any specialist installations.

Contents & Equipment

Cover for salon furniture, styling stations, treatment beds, and specialist equipment like laser machines.

Stock Cover

Protection for retail products, professional supplies, and treatment consumables.

Treatment Liability

Essential cover for claims arising from treatments – allergic reactions, burns, or unsatisfactory results.

Public Liability

Protection for customer injuries at your premises – slips, trips, and other accidents.

Products Liability

Cover for claims arising from products you sell or use in treatments.

Employers' Liability

Required cover for staff injuries including repetitive strain, chemical exposure, and accidents.

Business Interruption

Lost income protection if you can't trade due to an insured event.

Professional Indemnity

Cover for claims of professional negligence or failure to exercise reasonable skill.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Beauty Industry Experts

We understand the specific risks of personal care services from basic hairdressing to advanced aesthetics.

Treatment-Specific Cover

Policies tailored to your exact service menu, from hair colouring to laser treatments.

Qualification Support

Guidance on insurance requirements for different treatment qualifications and certifications.

Claims Experience

Expertise in handling treatment-related claims including allergic reactions and burns.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Own or operate a hair salon or barber shop
Run a beauty salon or nail bar
Offer aesthetic treatments like Botox or fillers
Provide massage, holistic, or spa therapies
Operate a tanning salon or laser clinic
Employ stylists, therapists, or technicians

What We'll Need for Your Quote

1
Salon address and type of business
2
Full list of treatments offered
3
Qualifications held for each treatment type
4
Whether you own or lease the premises
5
Contents and equipment values
6
Annual turnover
7
Number of employees and their qualifications
8
Claims history for the past 5 years

Get Your Quote

Frequently Asked Questions

Do I need different cover for different treatments?

Yes, treatment liability cover is specific to the services you offer. Basic hairdressing has different risks to laser hair removal or injectable aesthetics. You must declare all treatments you offer, and some advanced treatments may require additional cover or specific qualifications.

What qualifications do insurers require?

Requirements vary by treatment type. Basic services may need NVQ Level 2/3, while advanced treatments like laser or injectables typically require specific certifications, medical oversight, or practitioner qualifications. We'll advise on requirements for your service menu.

Does the policy cover allergic reactions?

Treatment liability typically covers claims from allergic reactions, provided you've followed proper procedures including patch testing where required. Failure to conduct appropriate tests or ignoring positive results may affect cover.

What about mobile or home-visit services?

If you offer mobile services or home visits, this must be declared as it changes the risk profile. Cover can be arranged for mobile work, but you'll need appropriate public liability for working in clients' homes.

Do I need professional indemnity as well as treatment liability?

Treatment liability covers physical injury from treatments, while professional indemnity covers claims of negligence or failure to exercise reasonable skill and care. For comprehensive protection, many salons benefit from both covers.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.