Lash Tech Insurance
Business insurance for lash technicians from only £3.14 per month. *
- Public liability for lash techs
- Cover for beauty salons
- Protection for over 200 therapies
- Join over 180,000 customers**
From £3.14* a month
Choose which lash tech business applies to you
We have two cover options. Liability and equipment cover for freelancers and mobile beauticians, or beauty salon cover for businesses with external premises.
Self-Employed Lash Tech
Salon Business
What does lash tech insurance cover?
Our lash technician insurance is designed specifically for professionals working within the beauty industry. Whether you’re a self-employed lash artist renting a chair in a salon, running your own lash studio, operating as a limited company, or providing mobile lash appointments, the policy is built around the way lash businesses actually operate day to day.
Our policy includes professional indemnity and treatment risk cover, protecting you if a client claims that a lash treatment caused injury, irritation or damage.
Your cover can be tailored to suit the needs of your lash business. You can choose to add protection for your equipment, including lash beds, magnifying lamps, tools and stock. Employers’ liability insurance can be included if you employ staff, apprentices or trainees, and personal accident cover is available to help protect your income if you’re unable to work due to injury.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Professional Indemnity and Professional Treatment
- Cover available from £1 million to £5 million.
- Protects you if a client or member of the public claims to have suffered an injury or property damage as a result of a beauty treatment you provided or professional advice you gave.
Public Liability and Products Liability
- Cover available from £1 million to £5 million.
- Protection against claims made by third parties for injury or property damage arising from your beauty treatments, products used, or the general operation of your business.
Third Party Property Damage
- Covers accidental, non‑negligent damage to someone else’s property while you’re carrying out beauty therapies—ideal for mobile therapists or those working in shared salon spaces.
Employers’ Liability
- Up to £10 million of cover.
- Protects you if an employee experiences a work‑related injury or illness and makes a claim.
Equipment
- From £500 to £3000 worth of cover
- Select from £500 to £3,000.
- Includes new‑for‑old replacement for items under three years old.
Equipment Hire
- Up to £750 of cover.
- Helps you stay operational by covering the cost of hiring essential equipment if yours is damaged or unusable.
Personal Accident
- Provides financial support after workplace accidents.
- Covers a range of incidents including accidental death, permanent total disablement, and temporary total disablement.
Legal Expenses
- Access to a legal advice helpline, counselling support, and legal defence costs.
- Optional upgrades available for protection against employment, property, and health and safety disputes.
- Beauty treatments or therapies you are not qualified to perform.
- Any beauty treatment not listed on your proposal form or insurance schedule.
- Beauty services provided outside the UK.
- Prescribing or supplying medication or pharmaceutical products.
- Use of non‑proprietary or unapproved products within your beauty treatments.
For further information on exclusions in your cover please refer to policy documentation.
Public & product liability
- Up to £5 million of cover
- Protects your beauty salon if a client or member of the public is injured or their property is damaged as a result of your business activities
- Includes incidents arising from beauty treatments, such as burns, cuts, allergic reactions, skin irritation, or accidental spillage during treatments
- Covers liability for beauty products sold or supplied as part of your services, including skincare, waxing products, lash and brow treatments, tanning solutions, and aftercare products
- Also includes Products Liability for products sold or supplied.
- Includes liability under the Defective Premises Act 1972 (up to £1 million).
Professional treatment
- Cover specifically for injuries or damage resulting from treatments carried out by the business.
- Examples include reactions to products or treatment mishaps.
Employers Liability
- Up to £10 million of cover.
- Covers claims from employees who suffer an injury or illness arising from employer negligence.
- Requires details of all staff, including roles such as qualified therapists, trainees, or administrative team members.
- Legally required for salons employing staff—whether full‑time, part‑time, or voluntary.
- Does not include professional instruction or teaching (Professional Indemnity is not included).
Property Damage
Cover for accidental loss or damage to your salon’s physical assets, with protection across several key areas:
Equipment away from premises
- Covers portable business equipment used off‑site, ideal if staff occasionally work at events or external locations, against damage or theft within territorial limits.
Glass
- Covers fixed salon glass, including decorative designs, signage, and protective fittings.
Stock in trade
- Protection for salon stock used or sold as part of your services, such as skincare, nail products, or retail lines.
Business Content
- Covers furniture, fixtures, tools, computer hardware, and employees’ personal effects (up to £500 per person).
- Excludes jewellery, furs, money, and motor vehicles.
Tenant improvements
- Covers improvements you’ve made to a rented or leased space that you are contractually responsible for—such as flooring, built‑in units, or fixed treatment stations.
Buildings
- Includes the buildings of the insured’s business premises where the insured is responsible, including shop fronts, landlord’s fixtures and fittings, fixed sanitary ware, and associated external features.
Money, Assault, Employee dishonesty
Money
- Protection for loss or theft of business money under defined limits (e.g., £2,500 for transit or safe storage).
- Cover applies at the premises, in transit, at employees’ homes, and in vending machines.
Assault
- Provides financial support if you or a team member is injured due to a robbery or attempted robbery.
- Includes a £10,000 capital benefit and £100 weekly benefit for temporary total disablement.
Employee Dishonesty
- Covers up to £5,000 for losses caused by dishonest acts of employees involving money or property.
Business interruption
- Protects your salon’s income following disruption caused by an insured Property Damage claim.
- Up to £500,000 Loss of Income (up to 24 months).
- £10,000 Increased Cost of Working to help keep operations running.
- £2,000 Book Debts if outstanding client or supplier payments cannot be recovered.
Cover may be triggered by:
• property damage
• utility or internet failure
• denial of access
• public authority restrictions
• supplier failure
• loss of attraction
Not available online for salons with an annual turnover above £250,000 (requires underwriter review).
- Damage to third‑party property that is not connected to the salon’s business activities.
- Any property damage where required building or safety conditions (e.g., security, fire protection) are not met.
- Premises left unoccupied for more than 7 consecutive days.
- Storage of highly flammable or hazardous substances.
Certain exclusions may apply under each cover section as defined in the policy wording, please refer to policy documentation.
Why do lash techs need insurance?
Lash treatments are precision-based services, and clients expect high standards. Even when you follow best practice, accidents and claims can still arise. A client may experience swelling after a lash extension appointment or allege that poor application led to lash loss or eye injury. In mobile settings, there is also the risk of accidental damage occurring in someone’s home.
Without specialist lash technician insurance, you could be personally responsible for legal costs and compensation. For sole traders, self-employed lash artists and beauty salon businesses this can be financially devastating. Having the right cover in place protects not only your clients, but also your reputation and livelihood, allowing you to work with confidence and professionalism.
Here are some common situations when having lash technician insurance can help:
A client alleges you were at fault with a treatment
Every client’s skin and eyes react differently to lash treatments. Even with correct consultation, patch testing, adhesive choice and precise application, results can never be completely guaranteed — particularly with first-time clients, sensitive eyes, or more advanced techniques such as volume or hybrid lash extensions.
If a client believes your lash treatment caused irritation, swelling, allergic reaction, lash damage, or eye injury, they may bring a claim for professional negligence.
Professional Indemnity insurance for lash technicians is designed specifically for these situations. It covers legal defence costs and potential compensation, helping protect your livelihood, reputation, and business.
When a simple accident becomes a serious claim
Even in a calm, professional environment, accidents can happen. A client might trip over a lash lamp cable, slip on a polished floor, react unexpectedly during treatment, or experience injury during a mobile appointment in their home.
These incidents can occur whether you work from your own studio, rent space in a salon, or provide mobile lash services.
Public Liability insurance protects you against the financial and legal consequences of accidental injury or damage to third-party property. Without appropriate cover that reflects the close, precision-based nature of lash treatments, you could be left personally responsible for legal costs and compensation.
Having the right lash technician insurance in place ensures you are protected wherever you work and however your business operates.
When your equipment lets you down
Your lash equipment is essential to your income. Lash beds, magnifying lamps, professional tweezers, adhesives, and mobile kits represent a significant financial investment, and any disruption can directly impact your ability to trade.
Equipment can be damaged in transit, stolen from shared premises, or lost while travelling between appointments. Replacing these items quickly is often critical to maintaining client bookings and protecting your professional reputation.
Equipment cover helps minimise financial strain by allowing you to replace essential tools promptly and continue working with minimal interruption.
When a salon or spa asks for proof of cover
If you rent a room, work as a freelance lash artist, or operate within a salon environment, proof of insurance is often a contractual requirement. Many salon owners will request evidence of Professional Indemnity and Public Liability cover before allowing you to treat clients on their premises.
Having lash-specific insurance demonstrates that you are operating responsibly and professionally. It reassures salon owners that your declared treatments — including lash extensions, lifts, tinting, and removals — are properly covered and that you understand the risks associated with working in close proximity to the eye area.
Our experts explain why...
“Our lash tech insurance is designed specifically for lash technicians and lash salon businesses, protecting you financially if a treatment results in injury, irritation, or damage to a client’s property. Lash treatments involve working in close proximity to the eye area and carry their own unique risks, so having cover tailored to your services is essential.
We support self-employed lash artists, salon owners, contractors, and mobile professionals, whether you operate from your own studio, rent space within a salon, or provide appointments in clients’ homes.
Our policies are built around the realities of running a lash business. In addition to covering liability claims, they can also protect your essential lash equipment, helping you recover quickly if something goes wrong and ensuring your income, professional reputation, and business continuity remain secure.”
Mandy Czyz – Senior Underwriter, Protectivity
How much does lash technician insurance cost?
At Protectivity lash tech policies start from from £3.14 a month.*
The cost of your policy will depend on a range of factors, including the size and type of your business. For instance, employing staff, operating from your own premises, or insuring high-value equipment and stock may increase your premium. The amount of public liability cover you select, along with any optional add-ons such as business interruption or personal accident cover, will also influence the overall price.
Prices from
£3.14* a month
Example quote
Policy cost
£3.14* a month
Policy type
Lash Technician Insurance
Duration
Annual
Turnover
Up to £50,000
Public Liability
£1,000,000
Professional treatment
£1,000,000
Third party property damage
£750
This example is based on a real quote from our website on 26/3/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your lash tech insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Am I covered to work as a mobile lash tech, or only in a fixed salon space?
You’re covered wherever you work — mobile, home‑based, or in a rented salon room — if the treatment occurs within the UK.
Mobile lash techs also benefit from protection like Third‑Party Property Damage if something is accidentally damaged at a client’s home.
Does the policy cover the cost of my lash kit and supplies if they are stolen or damaged?
Yes — if you select Equipment Cover.
You can insure between £500 and £3,000 worth of tools and kits, with new‑for‑old replacement for items under three years old.
Salon owners also have Business Contents and Stock in Trade options to protect furniture, tools, and lash stock kept on‑site.
Will my insurance cover me for lash tinting and brow treatments as well?
Yes — provided these treatments are included on your proposal form and you hold the relevant qualifications.
Any treatment not listed or not declared will not be covered.
Is there an age limit for the clients I am allowed to lash under this policy?
The insurance does not set an age limit — but you must follow industry best practice, legal requirements, and any product manufacturer guidelines.
You’re only covered for treatments performed safely, appropriately, and within your qualification scope.
Does lash technician insurance cover allergic reactions?
Yes. Allergic reactions to adhesive, tint, lash cleanser, or other products are covered under public liability with professional treatment insurance — as long as approved products are used and the treatment is one you’re qualified to perform.
Are chemical burns or eye injuries covered?
Yes. Injuries such as chemical burns, irritation, or accidental adhesive contact fall under your Professional Indemnity & Treatment Liability cover (for therapists) or Public & Product Liability (for salons).
You’re protected if a client alleges the injury was caused by the treatment you provided.
Am I covered if I work from home?
Yes. Home‑based lash techs are fully covered under your standard Public Liability and Treatment Liability insurance.
Salon owners can extend cover to home‑based setups with Business Contents and Property Damage options for equipment and stock.
Does insurance cover clients’ lashes if they are damaged?
Yes — if a client claims your treatment or professional advice caused lash damage (e.g., breakage, incorrect removal, over‑bonding), this is covered under professional treatment cover.
Does lash technician insurance cover legal fees
Yes. If you choose the Legal Expenses add‑on, you have access to:
- legal defence costs
- a legal advice helpline
- counselling support
- optional upgrades for employment, property, and health & safety disputes
Are my tools and equipment covered?
Yes — if you add Equipment Cover (for therapists) or Business Contents/Stock In Trade (for salon owners).
This can include:
- lash kits
- lash beds/chairs
- lamps
- tweezers and tools
- adhesives and product stock
- mobile treatment equipment
- employees’ personal effects (up to £500)
Equipment covered under this option is protected against accidental damage, loss, or theft within the insured limits.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 26/3/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data