Beauty Salon Insurance Compared
We compared 5 insurance providers for UK beauty salons on price, treatment cover, and claims experience. Here is who we would choose depending on whether you own a salon, work mobile, or are just starting out.
Salon Gold is the best choice for most salon owners with 35+ years specialising in beauty insurance and treatment risk included as standard. For mobile therapists on a budget, Protectivity starts from 3.44 pounds per month. To compare multiple insurers, Simply Business is fastest.
| Provider | Best for | PL cover | From | Our rating |
|---|---|---|---|---|
| Salon Gold Top pick | Salon owners | £1m - 5m | ~£6/mo | 4.7 / 5 |
| Simply Business | Price comparison | £1m - 5m | ~£5/mo | 4.5 / 5 |
| Protectivity | Mobile therapists | £2m - 5m | ~£3.44/mo | 4.3 / 5 |
| Everywhen | Established salons | £1m - 10m | ~£10/mo | 4.2 / 5 |
| Salon Insurance 4u | Custom treatments | £1m - 5m | ~£5/mo | 4.1 / 5 |
Prices are indicative and based on a sole trader beauty therapist in England with no claims history and no employees. Your quote will vary by treatments, turnover, location, and cover level. All prices exclude Insurance Premium Tax.
What is beauty salon insurance?
Beauty salon insurance protects your business against the specific risks of providing beauty treatments. The core cover is public liability, but beauty businesses face an additional risk: treatment liability.
Treatment risk is non-negotiable. Standard public liability does NOT cover claims from beauty treatments going wrong (allergic reactions, chemical burns, infections). You need a provider that specifically includes treatment risk cover. This is the single most important detail to check.
If you employ staff, employers liability insurance is a legal requirement with a minimum of 5 million pounds. The NHBF recommends all salon owners carry public liability and treatment liability as a minimum.
- Public liability (injury or property damage to clients and public)
- Treatment risk (allergic reactions, burns, infections from treatments)
- Products liability (claims from products you use or sell)
- Employers liability (legal requirement if you have any employees)
- Contents and stock cover (equipment, furniture, products)
Provider-by-provider breakdown
Salon Gold is the specialist to beat. Part of Barkdene Limited (FCA-regulated, since 1988), they focus exclusively on hair, beauty, and holistic therapy. Treatment risk is included as standard on every policy. Packages for salon owners, freelancers, mobile therapists, and students.
The widest treatment cover we found, with policy wording written specifically for beauty businesses. Premiums from around 6 pounds per month. You cannot compare multiple insurers through them since they are a single provider, but quality justifies the trade-off for most.
- Treatment risk included as standard
- 35+ years specialist experience
- Packages for salon, mobile, student
- Instant online documents
- FCA-regulated
- Single provider, no comparison
- Phone support not 24/7
- Advanced treatments may need extra
Simply Business compares quotes from AXA, Hiscox, Churchill, and Zurich. Competitive from around 5 pounds per month. Build your policy with only the covers you need. Quote takes about 7 minutes.
Treatment risk depends on which panel insurer you are matched with. For standard treatments, Simply Business is excellent. For advanced treatments, verify the policy wording covers your specific services.
- Compare multiple insurers
- From around 5 pounds per month
- Quick 7-minute quote
- UK claims team rated 9/10 on Feefo
- Flexible add-on covers
- Treatment risk varies by insurer
- Not a beauty specialist
- Advanced treatments may not be covered
Cheapest entry point we found at 3.44 pounds per month. Treatment risk included. Designed for freelance and mobile therapists. Accidental damage to clients' property covered as standard.
Equipment cover available as an add-on. Best for sole traders and freelancers. Larger salons with employees should look at Salon Gold or Everywhen.
- Cheapest starting price
- Treatment risk included
- Designed for mobile/freelance
- Accidental damage covered
- Equipment cover available
- Less suited to salon premises
- Limited for larger businesses
- Fewer optional extras
Everywhen (formerly Towergate) offers PL up to 10 million, treatment risk, unlimited employees, and business interruption. Large independent broker with experience handling beauty-specific claims.
Best for established salons with premises, employees, and higher cover requirements. Quote may require speaking to an advisor for tailored packages.
- PL up to 10 million
- Unlimited employees
- Business interruption available
- Experienced claims team
- Large established broker
- Higher starting price
- May require phone quote
- Less suited to sole traders
Specialist provider backed by A-rated UK insurers. Standout feature: add custom treatments at the click of a button. Commercial legal protection included covering tax investigations and disputes up to 100,000 pounds.
Less brand recognition and fewer independent reviews compared to Salon Gold or Simply Business. Worth checking if you offer niche or emerging treatments.
- Easy custom treatment add-ons
- Legal protection included
- Beauty specialist
- A-rated UK insurers
- Quick online quote
- Smaller provider
- Fewer independent reviews
- Claims less documented
What to look for in beauty salon insurance
Product liability covers claims from products you use or sell. If a client has an allergic reaction to a facial cream or hair dye you applied, this is a product liability claim, not a treatment risk claim. Most specialist salon insurers include both as standard, but check the limits on each.
Common questions
How we compared these providers
We researched each provider by reviewing their policy documents, getting test quotes, checking customer reviews on Trustpilot and Feefo, and speaking to business owners. Our ratings reflect price, cover, claims reputation, and ease of use. We update quarterly. FixList may earn a commission if you click through and purchase. This does not affect our ratings.