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Beauty Insurance from £5 a month

'Make up' your personalised beauty insurance policy using our available cover types

20% of customers paid £59 or less for their Public Liability and standard treatments cover for a 12-month policy between 1st January 2019 - 31st December 2019. We offer 0% APR on your monthly direct debit payments in the first year. Subject to credit agreement, must be aged 18 years and over.

Get a quote Retrieve a quote

or call us on 0345 878 5606

Quotes valid for 30 days

Join over 500,000 businesses who trust us with their insurance.

  • Get 10% off business insurance if you’re already a Direct Line customer.

    Discount applies to your new business insurance policy. Subject to minimum premiums.

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

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

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

    Over 18's, 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:

Freelance and mobile beauty Insurance – standard covers:

  • Public and products liability insurance for beauty therapists and 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

Freelance and mobile beauty 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.

  • 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

    There are a few exceptions but if you have employees then by law you need to have Employers' Liability Insurance. It covers your legal costs if they suffer illness or injury in the course of their work for you. Click here to read a guide which provides details of who is an employee and which organisations are exempt for further details.

  • Business interruption

    If you can't trade due to an insured event, such as a fire or flood, at a third-party premises where you carry out treatments, then this insures you for the increased cost of working. It covers the costs you incur trying to avoid losing turnover or to reduce the amount of lost turnover.

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

Why Direct Line?

Call centres open Saturday and Sunday

Busy making your clients look great Monday through to Saturday? Our call centres are also open weekday evenings until 8pm, 9am - 5pm on Saturdays, and on Sunday from 10am - 4pm.

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 Direct Debit.

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.

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 15 July 2018 until 31 March 2019, which shows the main covers and exclusions in our policies.

Below is a summary of a generic policy, from 1 April 2019 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.

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.
  • 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.
  • 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.