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Beauty insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

New policies only. Cover on an equivalent basis to ours. Excludes policies where Home Emergency Cover is added. Qualifying criteria apply. Terms & Conditions.

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Quotes valid for 30 days

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Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover and claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New policies only. Cover on an equivalent basis to ours. Excludes policies where Home Emergency Cover is added. Qualifying criteria apply. More info.

  • We don't charge you admin fees to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

Beauty insurance for Beauticians

At Direct Line, we understand that a one-size-fits-all approach doesn't work for everyone. So, whether you are a beauty therapist who works at a salon, or a mobile beautician working from different locations, our flexible insurance features allow you to build a policy that's just right for your beauty business.

Why do I need beauty insurance?

From a slip in a salon to a client making a claim due to having an allergic reaction to one of your products, there are lots of potential risks associated with working in the beauty industry. So, it's worth getting the right insurance cover, to help you deal with the fallout, should the worst happen.

What types of beauty insurance might I need for my business?

We offer a range of cover types to support your business. Public & Products Liability and treatments liability insurance, come as standard on all policies.

Learn more about all available cover types below:

Beauty Therapist Insurance - standard covers:

  • Public and products liability insurance for beauticians

    During your working day, your client could have an accident, or you could unintentionally damage their property. If a client slipped on a wet floor in a salon, or you spilt lotion damaging their carpet, it could be a costly expense for your business. You could even be held accountable for any harm caused by products that you sell or provide to your customers.

    Our Public and Products Liability Insurance covers these types of legal claims. Our insurance will cover your legal costs and any compensation (up to your chosen limit), and the claimants' legal costs if you're at fault.

  • Beauty treatments liability

    Beauty treatments Liability cover insures you for any illness or injury caused to your clients by a treatment included in this list that you've insured.

    Whether you tint lashes, shape nails or wax body hair, our Treatments Liability cover includes particular treatments based on your profession as standard. But, you can add other treatments too.

    Description of cover Beauty therapist Beautician Make-up artist
    Tinting, dyeing, bleaching, permanent waving or special treatment of the hair
    Attachment of hair extensions
    Eyebrow plucking, shaping, threading and tinting
    Eyelash curling, perming, tinting and eyelash extensions
    Manicure and pedicure
    Application of cosmetics
    Face and body painting including henna art and su-do body art
    Facial masks including steaming treatments
    Body sugaring and application of proprietary hair removal preparations other than electrolysis
    Aromatherapy

    Description of cover

    Tinting, dyeing, bleaching, permanent waving or special treatment of the hair
    Attachment of hair extensions
    Eyebrow plucking, shaping, threading and tinting
    Eyelash curling, perming, tinting and eyelash extensions
    Manicure and pedicure
    Application of cosmetics
    Face and body painting including henna art and su-do body art
    Facial masks including steaming treatments
    Body sugaring and application of proprietary hair removal preparations other than electrolysis
    Aromatherapy

    Description of cover

    Tinting, dyeing, bleaching, permanent waving or special treatment of the hair
    Attachment of hair extensions
    Eyebrow plucking, shaping, threading and tinting
    Eyelash curling, perming, tinting and eyelash extensions
    Manicure and pedicure
    Application of cosmetics
    Face and body painting including henna art and su-do body art
    Facial masks including steaming treatments
    Body sugaring and application of proprietary hair removal preparations other than electrolysis
    Aromatherapy

    Description of cover

    Tinting, dyeing, bleaching, permanent waving or special treatment of the hair
    Attachment of hair extensions
    Eyebrow plucking, shaping, threading and tinting
    Eyelash curling, perming, tinting and eyelash extensions
    Manicure and pedicure
    Application of cosmetics
    Face and body painting including henna art and su-do body art
    Facial masks including steaming treatments
    Body sugaring and application of proprietary hair removal preparations other than electrolysis
    Aromatherapy

    If you or your business offer any treatments other than these, please click here or call us on 0345 878 5606

Beauty Therapist Insurance - optional covers:

  • Your building(s)

    If you insure your business premises where you work, as standard we'll give you equipment breakdown cover, which pays to repair or replace your boiler if it breaks down (excludes wear and tear). It also covers other built-in machinery like burglar alarms and air-conditioning systems.

  • Business contents and stock

    If you insure the business equipment that you use at your premises, such as washer/dryers and UV nail lamps, as standard we'll give you equipment breakdown cover. It pays to repair or replace your equipment if it breaks down (excludes wear and tear).

    If you're keeping stock, such as beauty products and styling tools, then this optional extra provides cover if an insured event happens, such as a break-in or a fire or flood damaging the stock. Maximum limits apply.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays.

  • Theft of takings

    Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.

  • Employers' liability

    Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

    We cover you for £10 million, as standard. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you.

  • Business interruption

    Depending on the type of business you run, you might work from home, in an office, at your shop, a client's premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it's fixed. It can also cover you for any lost turnover during this time if you've insured your premises or business property with us.

    If your main supplier or customer suffers damage to their premises and can't trade, we'll cover you for the loss of business you'll suffer. Equally, if a market or fair that you regularly attend suffers a fire, we'll cover the lost turnover for the time you can't trade there. Business interruption will also cover you if key equipment that you use to run your business, like a laptop, is damaged or stolen, meaning you can't trade.

    Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

  • Home emergency

    Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4-hour response time. Extreme weather and remote locations may extend the response time.

    Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.

    There's no excess to pay and no limit on how often you can claim.

    You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.

    Home emergency isn't currently available on policies that include commercial premises.

    For more information click here.

  • Terrorism cover

    If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents, and business interruption (depending on which covers you have taken).

    This includes:

    • the rebuild of buildings damaged beyond repair
    • cover for damage or loss of your business contents, stock, and computer equipment, to help you get back up and running.

    If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.

    Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

    Terrorism cover is only available for properties located in England, Wales and Scotland.

    Terrorism insurance is optional, so an additional premium will apply.

    You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.

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Choose your profession to see what insurance might apply to your
line of work:

a woman having her hair washed in a salon

Hairdressing Insurance
nail technician insurance whether you work from home or salon

Nail Technician Insurance
a woman lying back while a beautician gives her a facial

Beauty Therapist
Insurance
a make-up artist testing colours on the back of her hand

Make-up Artist
Insurance

Why Direct Line?

0% finance in the first year

Plus, if you'd like to spread the cost of your policy in your first year with us you can pay monthly for your beauty insurance for no extra cost (Subject to status. 18s and over. 0% APR representative). There's also no minimum premium amount for you to qualify for this option.

No need to be a member of any guild or association

Just starting out as a beauty therapist or beautician and want to get insured? You don't need to be registered with any associations or guilds to take out our Beauty Insurance. All we ask is that you're appropriately qualified for the treatments you're carrying out.

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Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you've chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.

Tips for expanding your beauty business

Thinking about taking the next step in your beauty career?

Use our free online tool to discover how you can style your own pathway to success.

Find out more

Frequently asked questions

  • QWhat is beauty insurance?
    Hair & Beauty Insurance is a cover created specifically for hair and beauty salon owners, and freelance beauty consultants, to cover the risks associated with these types of businesses. Based on your business type (salon/mobile) and requirements (a small business/self-employment), a Direct Line for Business policy should cover all the elements specified by you when getting a Hair and Beauty Insurance quote. This means you won't have to pay for cover that you or your business may not need.
  • QWhy do I need beauty insurance as a beautician or beauty therapist?
    Accidents happen all the time so obtaining beauty insurance will give you peace of mind. You can choose the elements of cover you require so if its cover for your premises, your business contents or stock, you can cover these against fire, theft and damage.
  • Q Am I covered if a customer has an allergic reaction to a product I sold?
    Product liability comes as standard with our Beauty Insurance policy and covers you if a client sues you following an allergic reaction to a product you supplied.
  • QWhat's the difference between public, product and treatment liability insurance?

    Public liability covers you against claims from customers or members of the public if you've damaged their property or they've injured themselves at your premises. For example, if a customer tripped over a power cord in your salon or home and hit their head. It doesn't cover you for injury caused by treatments though.

    Product liability provides cover for legal claims brought against your business for any harm caused by products that you sell or provide to clients. This cover is included with public liability insurance as standard on all of our Hair and Beauty policies.

    Treatments liability will cover you if a customer sues you due to a treatment you've carried out causing them harm. If you take out the cover, you'll be insured as long as you're insured with us for that particular treatment and you're qualified to carry it out.

  • QHow much does beauty insurance cost?

    It depends on many factors, including length of trading, location, number of employees, previous insurance history (e.g. years with no claims.). The cheapest hair and beauty insurance sold by Direct Line for Business cost £39.2 including IPT. However, this price would have been determined based on a business assessment, therefore the quote for your business may be different.

  • QWhat is included in beauty insurance?
    It depends on your beauty business requirements. You may be happy with a basic cover, or you may want to expand your cover by adding relevant elements on top of the standard policy. By answering a few simple questions about your business, you can personalise and amend your policy using our interactive beauty insurance quote tool. It is a quick and simple process and you'll get a quote that is valid for 30 days. You can also get a quote up to 30 days before you need the insurance to start.
  • QAm I able to get a quote online?
    Yes, you are able to get an online quote using our interactive tool. Quotes are not available through webchat.
  • QCan I get any discount?
    Yes, you are entitled to introductory insurance discounts of 10% since the time of taking the second policy with us (minimum premiums apply). You will get the first Direct Line or Direct Line for Business policy at its full price and the 10% introductory discount will be applied to any new policy taken afterwards. For example if you have a car insurance from Direct Line and are getting a hair and beauty insurance policy, your new beauty insurance cover will be up to 10% cheaper thanks to the multiple policy discount that we apply to every customer purchasing more than one policy.
  • QDo I need to be registered with the Guild of Professional Beauty Therapists, the British Association of Beauty Therapy & Cosmetology or other organisation in order to have cover?

    No, we don't require you to be registered with a professional association. But you do need to be qualified and trained to carry out the treatments you provide.

  • QHow do I know if I would be considered qualified to carry out a particular treatment?

    For us to cover you for performing a treatment you must hold the relevant qualification certificate for that treatment. If you're qualified, we'd also expect you to adhere to the product manufacturers' and industry best practice standards.

    If you're receiving training in how to perform a treatment, you must be under the direct and continuous supervision of someone who holds the relevant treatment qualification.
    If in doubt call 0345 303 1762 to speak with one of our insurance specialists.

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Opening hours:

  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday closed
Call us on 0345 878 5606