hairdresser working with a female client in a beauty salon

Salon 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 with home emergency cover added. Qualifying criteria apply. Terms & Conditions.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.
Cover & 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 with home emergency cover added. Qualifying criteria apply. Terms & Conditions.

  • 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.

A new way to buy salon insurance

Whether you run a hair salon, nail bar, beauty salon or barber shop, you know your business like no one else. At Direct Line for Business you can personalise your salon insurance policy to meet your business' needs.

With our new insurance tool you can pick and choose exactly what policy features you need for your business. So you only pay for the cover that you need.

And if you're not sure what insurance you need for your salon, we'll be there every step of the way to explain what each cover option insures you for.

The salons that we cover

With our Salon Insurance we can cover the following types of salon:

  • Beauty salons
  • Hair salons and barber shops
  • Nail salons

Direct Line jargon buster

Confused by an insurance term? Look it up in our jargon buster

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

Our standard cover

In the course of your day a client could accidentally be injured when visiting your salon. For example, they could slip and hurt themselves or experience an allergic reaction to a product that you supply.

Our Public and Products Liability Insurance comes as standard on all of our Hair and Beauty Insurance policies and covers claims for personal injury and damage to third party property made by members of the public. It's designed to pay your legal costs and if you're found to be at fault, compensation (up to the chosen limit) and the claimants' legal costs.

Salon Insurance - optional extras

This optional cover insures you for any illness or injury caused to your customers by a treatment that you've insured with us.

Whether you run a hair, nail or beauty salon (or a combination of the three), our Treatments Liability cover includes specific treatments as standard based on what you do. You can add other treatments too.

Here are just some of the treatments you can get cover for:

  • Hairdressing
  • Make-up
  • Facials
  • Waxing
  • Pedicure and manicure
  • Nail building
  • Nail treatment and nail extensions
  • Shaping and plucking of eyebrows
  • Eyebrow and eyelash tinting
  • Eyelash extensions

You can add other treatments too. Find out more here or call 0345 878 5606

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.

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.

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 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 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.

If you're keeping stock, such as hair care products and styling tools at your salon, 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.

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.

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.

How we can help

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

a woman lying back while a beautician gives her a facial

Beauty Therapist Insurance

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nail technician insurance whether you work from home or salon

Nail Technician Insurance

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a woman having her make-up done professionally

Beauty Insurance

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a woman having her hair washed in a salon

Hairdressing Insurance

Read more

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

Make-up Artist Insurance

Read more

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.

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

Frequently asked questions

The cost of salon insurance depends on a variety of factors. Rather than looking for an average figure which may differ hugely from your actual premium, it's best to get a quick quote online or call our team for a chat about what you need.

Salons are typically busy with staff and customers interacting in a place where there are sharp objects and hazardous chemicals. Plus, accidents happen in all industries, so public liability is highly recommended if you want to make sure you're covered.

Also, if your salon employs staff, by law you must have Employers' Liability cover.

Our Employers' Liability cover would insure you for compensation claims against you from an intern or work experience student. Public liability would also cover relevant claims from third parties against students and interns working at the salon. Treatments liability will cover you for treatments carried out by your students or interns providing that they are under the direct and continuous supervision of another person who holds that relevant treatment qualification.

Yes, if you take out the right cover. Business contents would cover theft of such items as hairdressing chairs and treatment tables. For your stock, business stock would be the insurance you'd need. Maximum limits apply.

You would need to choose business contents to cover any accidental damage by customers.

Yes, our Business Interruption option will cover your business if you can't trade because of an insured cause, such as a flood or fire, at your salon. You can choose the level of cover that suits your business's needs.

Yes, of course. You can put all of your salons on one policy, making it easy to keep on top of your insurance. You can add salons at any time during the term of your policy. So if you want to wait for the insurance on one of your other salons to expire before you add it to your Direct Line for Business insurance policy, you can.

Ask our Virtual Assistant

Our virtual assistant is here to answer your questions. If it doesn't have the answer, we'll put you in touch with someone who can help.

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WhatsApp opening hours:

  • Monday to Friday 8am - 7pm
  • Saturday 9am - 5pm
  • Sunday 9am - 2pm

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If you haven't found what you're looking for yet, then it might be time to call us.

Opening hours:

  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday Closed