Salon Insurance – ‘The Essential Buyer’s Guide’


3 salon chairs facing a wall mirrorWhat is Salon Insurance?

A Salon policy is a packaged based product that includes most of the relevant covers for the beauty industry specifically for people or companies that either rent or own their premises.

What types of trades typically buys this cover?

Generally it is suitable for:

Hair Salons
Nail Bars
Beauty Salons

What sort of things does it cover?

The basic policy sections are:

Property Damage – physical damage to buildings, contents, stock, etc

Business Interruption – loss of revenue as a result of a physical damage claim

Liabilities – Public, Products & Employers Liability all designed to provide you with a legal liability following injury to third parties or employees or damage to third party property including Treatment Risks.

Are there some trades which would not be suitable for a Salon Insurance policy?

If you are self employed, working from home or renting a chair, then a liability led policy is more suitable as part of a tradesman’s contract.

How much does a policy cost?

Basic cover can start from only a few hundred pounds but increases with the size of the establishment, the type of treatments available or the cover required.


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