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Beauty Insurance

Only pay for the cover that you need.

or call us on 0345 301 4827


Quotes valid for 30 days

salon services

Celebrate your new beauty therapist policy with a £50 Salon Services gift voucher. Find out more here.

Insurance for beauty therapists and beauticians

From immaculately painted nails to symmetrically plucked eyebrows – we know how important it is to keep your clients looking great. But at Direct Line for Business, we also understand the importance of beauty insurance.

Now you can create your own personalised beauty insurance policy and get the cover that you need. Get a quote online using our unique new tool to start designing your own insurance policy now.

Whether you work at a salon, in your home, or on the go, with our Beauty Therapist Insurance you can choose the policy features that you need and build an insurance policy that’s just right for your business. You can even change the cover elements of your policy whenever you need to, without having to pay any admin fees. So you only pay for the insurance that you need for your business.

Get a £50 Salon Services gift voucher when you take out any Hair and Beauty Insurance Policy

We’ve partnered with Salon Services to give you a £50 gift voucher when you take out any Direct Line for Business Hair and Beauty Insurance policy.

Here's how it works:

  1. Create your personalised policy.
  2. You will receive your £50 Salon Services voucher 30 days after your policy's start date.
  3. You can then use it as you wish in-store.
  • New customers only. One gift voucher per customer. Offer extended to 31st December 2017. Your Salon Services gift voucher will be sent 30 days after your policy start date. For full T&C's click here.

Read on to find out about some of the insurance features you can choose.

Our standard cover

  • Public and product liability insurance for beauty therapists and beauticians

    During your working day, your client could have an accident at your salon or home, 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 Insurance - cover options

  • Hair and beauty treatments liability

    This optional cover insures you for any illness or injury caused to your customers by a treatment on this list.

    If you take out Treatments Liability cover, the following treatments come as standard depending on your profession.

    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 301 4827

  • Your building(s)

    If you insure your business premises where you work (your salon), 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

    If you insure the business equipment that you use at your premises, such as washer/dryers and hair processors, 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).

  • Theft of takings

    You can also get cover for theft of business money at home, at your salon or when you’re on the go. 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 stock

    If you’re keeping stock, then this optional extra provides cover for it if an insured event happens such as a fire or flood damaging the stock, or if it’s stolen. Maximum limits apply.

  • 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.

Other hair and beauty professions we cover

Frequently asked questions