Salon Insurance
Comprehensive Insurance Cover for Hair & Beauty Salon Businesses
Running a hair, beauty, or wellness salon comes with risks, from customer injuries and treatment reactions to property damage and staff claims. Without the right insurance, a single accident or legal dispute could result in significant financial losses and disrupt your business.
ABA Insurance provides specialist Salon Insurance, offering tailored protection for hairdressers, beauty therapists, nail salons, barbers, and spa owners. Our policies ensure that your business, employees, and equipment are safeguarded against unforeseen risks, allowing you to focus on providing excellent service to your clients.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Salon Insurance?
Salon Insurance is a comprehensive business insurance policy designed to protect salon owners, beauty professionals, and hairdressers from financial losses due to claims, property damage, and unexpected business interruptions.
This insurance is essential for:
- Hair salons and barbershops
- Beauty salons and nail studios
- Spa and wellness centres
- Mobile hairdressers and beauty therapists
- Aesthetic clinics and cosmetic treatment providers
Without the right cover, salon owners may struggle with legal disputes, treatment-related claims, and costly equipment replacements.
Why Do You Need Salon Insurance?
Protection Against Treatment and Treatment-Related Claims
Salon treatments, including hair colouring, waxing, laser treatments, and skincare procedures, carry risks. If a client suffers an allergic reaction, burns, or skin damage, this insurance helps cover legal fees, medical expenses, and compensation payouts.
Cover for Expensive Salon Equipment and Stock
Salons invest in high-value tools, styling chairs, beauty machines, and professional products. If these are stolen, damaged, or lost, insurance helps replace them quickly.
Public and Employers’ Liability Cover
If a client slips on a wet floor or suffers an injury due to faulty equipment, they may file a claim against your business. Public liability insurance covers legal defence costs and compensation claims.
For businesses with employees, employers’ liability insurance is legally required to protect against claims related to workplace injuries or illnesses.
Business Interruption Cover for Unexpected Closures
If your salon is forced to close due to fire, flood, or equipment failure, business interruption insurance helps cover lost revenue and operational expenses.
Compliance with Industry Regulations and Landlord Requirements
Many commercial landlords and professional beauty associations require proof of insurance before allowing salons to operate. Having a policy ensures compliance with industry and lease agreement requirements.
What Does Salon Insurance Cover?
- Public liability insurance for client injuries and treatment-related claims
- Employers’ liability insurance for employee-related injury claims
- Treatment risk cover for allergic reactions, burns, and other treatment complications
- Property insurance for salon premises, furniture, and styling stations
- Tools and equipment insurance covering hairdryers, beauty lasers, and specialist devices
- Stock cover for professional beauty products and retail items
- Business interruption insurance to cover lost income due to forced closures
- Legal expenses insurance for contract disputes and business-related claims
Get The Right Business Insurance
How To Get The Right Insurance Policy For Your Beauty Salon
Worried About Customer Injury or Treatment Reactions?
Even with proper precautions, clients can suffer injuries or allergic reactions. Our policies cover legal defence costs and compensation payouts, keeping your business protected.
Concerned About Theft or Damage to Expensive Salon Equipment?
Hairdressing and beauty tools are costly to replace. Our insurance ensures fast replacements to keep your business running smoothly.
Need to Meet Landlord or Regulatory Insurance Requirements?
Many salon leases require proof of public liability and property insurance. Our policies help meet all contractual and industry standards.
Looking for Affordable Cover with Flexible Options?
We offer customisable policies to match your salon’s size, treatments, and risk level, ensuring affordable and tailored coverage.
Need a Fast and Hassle-Free Claims Process?
Our dedicated claims team ensures quick settlements so that you can focus on your clients without disruptions.
How Much Does Salon Insurance Cost?
The cost of insurance depends on factors such as:
- The type of treatments and services you offer
- The number of employees and staff covered
- The value of equipment, stock, and salon property
- The level of public liability and treatment risk cover required
- Location and security measures in place
- Previous claims history and overall business risk assessment
ABA Insurance provides tailored policies at competitive rates, ensuring you only pay for the cover you need.
Why Choose ABA Insurance for Salon Insurance?
- Industry expertise with specialist cover for salon professionals
- Flexible policies designed for hairdressers, beauty therapists, and spa owners
- Competitive pricing with cost-effective insurance packages
- Fast quotes and a simple application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Salon Insurance Today
Protect your salon, staff, and equipment with Salon Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.