eGift Card Logos

Get a £25 Amazon.co.uk Gift Card*, or £25 Argos eGift Card, or £25 House of Fraser eGift Card.

New customers only. One eGift Card per policy. Offer ends 31/12/18. £25 eGift Card choice emailed to you after your policy has been in force for 45 days. Find out more here.

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Hair and Beauty Insurance from £46 per year

Cover that's just right for your hair and beauty business.

20% of customers paid this or less for Public Liability cover. Based on policies sold 01 Nov 17 – 30 April 18.

Get a quote online Retrieve a quote

or call us on 0345 878 5606

Quotes valid for 30 days

eGift Card Logos

Get a £25 Amazon.co.uk Gift Card*, or £25 Argos eGift Card, or £25 House of Fraser eGift Card.

New customers only. One eGift Card per policy. Offer ends 31/12/18. £25 eGift Card choice emailed to you after your policy has been in force for 45 days. Find out more here.

Personalised hair and beauty insurance

Every hair and beauty business is different, so why should your insurance be the same as everyone else’s? At Direct Line for Business, we understand that a one-size-fits-all approach doesn’t work for everyone. So, we offer personalised Hair and Beauty Insurance that is built to meet your specific needs.

Whether you work alone or with a team, in a salon, at home or at your clients’ premises, we’ll help you create a hair and beauty policy that’s just right for your business. You’ll be covered for the risks associated with your venture, so you won’t have to pay any more than you need to.

Take a look at the wide range of hair and beauty treatments that are covered by Direct Line for Business. Get a quote online or over the phone, and we’ll explain what each insurance feature covers at each stage of constructing your policy.

Cover for hair and beauty treatments

Many of the tools used by hair and beauty professionals can cut, heat up or stain. So, there’s a risk that if a mishap happens, a client could get injured. The products used during hair and beauty treatments also have the potential to cause harm. For example, a product could cause an allergic reaction or rash, or even chemical damage to your clients’ property.

The consequences of even a minor mistake can be serious, so you need to get the right insurance based on what your business does and where it does it from.

Get the right cover for your business

From public, products and treatments liability insurance to cover for business stock and theft of takings, you can create a policy that suits your business.

You can even change your cover options at any time with no admin fees to pay. So, you only pay for the cover that your business requires.

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

Direct Line for Business Beauty Insurance covers:

  • Beauticians
  • Hair & beauty salons
  • Beauty therapists
  • Hair and beauty consultants
  • Make-up artists
  • Nail technicians
  • Manicurists and pedicurists
  • Spray tanning
  • Facial treatments specialists
  • Hair waxing

What makes us different?

Interruption at third party premises – our Hair & Beauty policy covers your hair & beauty business if you rent a chair/space in a salon and there is an insured event at the rented premises.

10% discount – if you have an existing policy with us, you will qualify for an introductory discount of up to 10% on the second policy when you take cover out with us. Minimum premiums apply.

No mid-term adjustments fees – any change you make to your policy, e.g. changing your surname after your policy has begun, won’t incur an additional cost.

  • Interruption at third party premises – our Hair & Beauty policy covers your hair & beauty business if you rent a chair/space in a salon and there is an insured event at the rented premises.
  • Equipment breakdown cover – this cover allows you to pay for the repair or replacement of broken items insured by your policy, as long as the breakdown isn't due to wear and tear. Equipment breakdown cover comes as standard for all built-in equipment (e.g. a boiler) when you purchase Buildings Insurance for your hair and beauty business. Equipment breakdown cover comes as standard for all business contents (e.g. washer/dryers, and specialist equipment such as laser treatment and CACI machines etc.) when you purchase Contents Insurance for your hair and beauty business.
  • 10% discount – if you have an existing policy with us, you will qualify for an introductory discount of up to 10% on the second policy when you take cover out with us. Minimum premiums apply.
  • 0% finance in the first year - you can spread the cost of your policy during your first year with Direct Line for Business when you pay monthly for your Hair & Beauty Insurance, for no extra cost. (Subject to eligibility, 18s and over. 0.0% APR representative.) There’s also no minimum premium amount for you to qualify for Direct Debit payment.
  • No mid-term adjustments fees – any change you make to your policy, e.g. changing your surname after your policy has begun, won’t incur an additional cost.
  • Convenient opening hours – our lines are open: 8am-8pm Monday to Friday, 9am-5pm Saturday, and 10am-4pm Sunday. Our agents are also available on web chat during these times should you require immediate assistance with your query.
  • This cover allows you to pay for the repair or replacement of broken items insured by your policy, as long as the breakdown isn't due to wear and tear. Equipment breakdown cover comes as standard for all built-in equipment (e.g. a boiler) when you purchase Buildings Insurance for your hair and beauty business. Equipment breakdown cover comes as standard for all business contents (e.g. washer/dryers, and specialist equipment such as laser treatment and CACI machines etc.) when you purchase Contents Insurance for your hair and beauty business.

  • You can spread the cost of your policy during your first year with Direct Line for Business when you pay monthly for your Hair & Beauty Insurance, for no extra cost. (Subject to eligibility, 18s and over. 0.0% APR representative.) There’s also no minimum premium amount for you to qualify for Direct Debit payment.

  • Any change you make to your policy, e.g. changing your surname after your policy has begun, won’t incur an additional cost.

Get a £25 eGift Card when you take out any Hair and Beauty Insurance Policy

We’ve partnered with three retailers to give you a choice of a £25 eGift Card when you take out any Direct Line for Business Hair and Beauty Insurance policy.

Here's how it works:

  1. Purchase your personalised policy.
  2. You will receive an email after your policy has been in force for 45 days. Choose your £25 eGift Card and your online voucher code will be emailed to you within 7 days.
  3. You can then use it as you wish online.
  • New customers only. One eGift Card per policy. Offer ends 31st December 2018. £25 eGift Card choice emailed to you after your policy has been in force for 45 days. Once redeemed you will be emailed your eGift Card within 7 days. For full T&Cs click here.

  • *Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Cards ("GCs") may be redeemed on the Amazon.co.uk website towards the purchase of eligible products available on www.amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.

Policy documents

View and download policy documents here

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?
    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.
  • QWhat is included in beauty insurance as standard?
    By default, all beauty insurance policies will include public and products liability as their base cover. Your policy will cover claims made against you for either accidental damage or injury to your customers, third party persons and their property. If you offer specialist treatments, like eyelash extensions, you should also purchase hair and beauty treatment liability to cover you in case any accidents related to the treatment arise.
  • 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.