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. 

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. 

Prices could start from around 35p per day*. 

But no two insurers are the same and the following will affect the price of your premiums: 

• Extent of cover - The more cover you opt for, the more expensive your package is likely to be. 
• Your insurer - The insurer you choose will also influence costs. 
• Business activities - The type of services your salon offers will play a big part in determining the scope of your cover, influencing costs. 
• Location  – Where you are located is taken into consideration when calculating the price of your premiums. 
• Claims history - Whether or not you’ve had claims made against you or you have made previous claims may affect your future premiums.

_{*This price is for a salon customer – 10% of customers who were sold with one of our panel providers paid £280.29 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £23.36 a month or £0.35 a day (and excludes the extra costs for paying monthly). Your actual price and policy may vary depending on your business 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.