Insurance for hair and aesthetic salons

Specialist cover for hair salons, beauty salons and aesthetic clinics — public liability, treatment risk, stock and equipment — arranged by a broker who places it across 30+ insurer markets. Tell us what you do and we’ll come back with a tailored quote.

Get a salon quote →   or call 0117 325 0027

Apex Insurance Brokers — FCA authorised (FRN 724952) · independent · established 2009 · 30+ insurer markets, Lloyd’s included via wholesale.

What salon and aesthetics insurance covers

Most salons and clinics are best served by a single combined policy rather than a stack of separate ones. The covers that matter:

• Public liability — claims from clients or the public injured on your premises, or whose property you damage (a slip on a wet floor, a spilled tint ruining a coat). Commercial leases and salon-suite landlords usually require a set limit.
• Treatment liability — the crucial one. It responds to claims arising from the treatments you perform: a chemical burn from colour or a peel, an allergic reaction, a poor reaction to an aesthetic treatment. Cover is matched to the specific treatments you offer.
• Product liability — claims caused by products you use or sell, such as a retail product that triggers a reaction.
• Employers’ liability — legally required if you employ anyone, including part-timers and apprentices (chair and room renters can blur this — we help you get it right).
• Stock, equipment and contents — styling chairs, basins, laser and IPL machines, colour and retail stock — against fire, theft, flood and accidental damage. Aesthetic kit is high-value and worth insuring to its real replacement cost.
• Business interruption — your lost income if you can’t trade after a fire, flood or other insured event.
• Optional extras — money on premises, personal accident, legal expenses, and cyber for your online booking system and client data.

The claims we see most in salons and clinics

• Treatment reactions — allergic reactions, chemical burns from colour or peels, and adverse reactions to aesthetic treatments. The most common serious category, and growing as salons add higher-risk aesthetics.
• Slips, trips and burns — wet floors, hot tools, a client hurt at the chair or basin.
• Theft and damage to kit — laser and IPL machines are expensive and targeted; colour and retail stock adds up quickly.
• Fire and water damage — a lot of heat tools and electrics, plus water from basins or the flat upstairs.
• Higher-risk treatments — Botox and fillers, laser/IPL, microblading and semi-permanent make-up, chemical peels and microneedling carry specific exposures and need the right treatment cover and evidence of training.

What we need to get you a quote

Why use Apex

We’re an independent commercial broker, established in 2009 and authorised by the FCA (FRN 724952). We place salon, beauty and aesthetics risks across more than thirty insurer markets — including the specialist treatment-risk insurers — rather than being tied to one insurer’s appetite. A named broker handles your account, so if you ever claim you’re dealing with a person who knows your file. Send us the details or start a quote, and we’ll take your risk to the markets that fit and come back with a tailored quote in plain English.

Frequently asked questions

Do I legally need salon insurance?

Employers’ liability is a legal requirement if you have staff, and most commercial leases require public liability. Treatment liability isn’t a legal requirement, but it’s essential if you carry out treatments — it’s the cover that responds when one goes wrong.

Do you cover Botox, fillers and laser treatments?

Yes. Aesthetic treatments can be covered with the right treatment liability and evidence of training or accreditation; we place these with specialist markets rather than standard salon insurers.

What about self-employed stylists or chair renters?

Self-employed stylists and chair/room renters usually need their own cover. We can insure the salon and advise how renters fit in so there are no gaps.

How much does salon insurance cost?

It depends on your treatments, turnover, staff and claims history — which is why we quote on your actual details rather than a headline price. The checklist above is what lets us price it accurately.

Is public liability enough on its own?

Rarely. Public liability won’t respond to a treatment claim or protect your stock and equipment, so most salons need a combined package that includes treatment liability and contents.