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Mobile Hairdressing and Beauty Insurance

Personalised insurance for your mobile hairdressing and beauty business.

or call us on 0345 878 5606


Quotes valid for 30 days

salon services

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

Specialist mobile hair and beauty cover

Working for yourself as a mobile hairdresser or mobile beauty professional, you provide a bespoke service by visiting clients’ homes and making them look their best.

Much like the service you provide to your customers, with our Mobile Hairdressing and Beauty cover, you can now personalise your insurance to fit your business’ needs.

With our new insurance tool, you can choose the exact cover that you need and build your own mobile hairdressing insurance policy. You can even change the cover elements of your policy without paying an additional admin fee. So you only pay for the cover that you need for your mobile 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&Cs click here.

Read on to find out about some of the insurance features you can choose for your mobile hairdressing insurance policy.

Our standard cover

  • Public and products liability insurance for mobile hair and beauty professionals

    Sharp tools and powerful chemicals are used everyday within the hair and beauty trade. Stains caused by spillages can seem insignificant at first, but can easily lead to a costly compensation claim from a client.

    If you’re working in customers’ homes, you can only improve the environment for safety so much, unlike your own premises. This means that it can be even harder to remove every potential hazard.

    Public and Products Liability cover is there to pay legal costs, any compensation (up to the chosen limit) and, if you’re found to be at fault, the claimants’ legal costs.

    As standard, we’ll cover you for Public and Products Liability. Then it’s up to you what insurance you choose for your business. But, we’ll explain every step of the way what you can get and what it will cover your business for.

Mobile Hairdressing and Beauty Insurance – cover options

  • 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

    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 stock

    If you’re keeping stock, such as hair care 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.

  • 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.

  • 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.

Insurance for hair and beauty professionals

Frequently asked questions

  • For hairdressers and beauty therapists who work on the move, the cost of insurance depends on a wide range of factors and because you can tailor your insurance to your needs, there’s no ‘one size fits all’ premium amount.

    This means that the only way to get an accurate idea of how much your mobile hairdressing or beauty insurance policy will cost is to get a quote.

    To get a quote, you can either click here or give us a call on 0345 301 4827.

  • Even if clients aren’t visiting your premises, public liability cover for self-employed professionals still covers many of the risks you face. Working in customers’ homes means there’s still expensive damage that could occur should an accident happen.

    If you’re qualified for the services you provide, optional treatments liability cover will cover you against compensation claims for the hair and beauty treatments on this list that you've chosen to insure.

    If you employ anyone in your mobile hairdressing or beauty business, you’re required by law to have Employers’ Liability Insurance.

    Remember also that your existing vehicle insurance policy probably won’t cover you for business use. You’ll need to add in commercial use to your policy or take out business van insurance.

  • If you only carry out occasional treatments on a semi-professional basis, you face the same risks that come with being a mobile beauty therapist or mobile hairdresser. You could still be liable for a compensation claim and if you don’t have cover you’d have to pay the cost yourself.

  • Product liability covers cosmetic products or products of any kind that you sell or give to your clients. The cover, that comes as standard alongside public liability, insures you against compensation claims for supplying products that make clients ill or damage their property.