Salon Insurance

Yes. Under Property Damage – Stock in Trade, your policy covers beauty products used or sold as part of your services—e.g., skincare, waxing supplies, serums, tanning solutions, lash/brow products, and aftercare items. This protects against accidental loss or damage (subject to policy terms, conditions, and limits).

Note: Jewellery, money, motor vehicles, and furs are excluded from Business Contents.

Yes. Your Public Liability, Professional Treatment & Product Liability (up to £5 million) covers injuries or damage arising from your treatments—e.g., burns, cuts, skin irritation, allergic reactions, and accidental spillages during treatments. It also covers liability from beauty products you sell or supply.

For beauty treatments, staff should hold appropriate, recognised qualifications/certifications for those procedures and use products/equipment as intended. Apprentices and trainees are included as employees for Employers’ Liability (optional extra), but teaching/instruction itself is not covered.

Yes—if you select “Equipment Away from the Premises.” Portable beauty equipment used off‑site (e.g., mobile kits, facial machines, massage equipment, spray tanning systems) is covered for loss or theft within territorial limits. Treatment liability still applies off‑site, provided activities fall within your insured business description and policy terms.

Allergic reactions are specifically included under Professional Treatment & Product Liability (within the £5 million limit). To support a claim, keep strong pre-treatment records, patch-test evidence (where recommended), consent forms, and aftercare advice given.

You are expected to take reasonable precautions and follow industry hygiene standards and manufacturer instructions. Claims may be affected where required security or safety conditions are not met. Maintain clean treatment areas, sterilise or appropriately disinfect tools, use single-use items as intended, and keep written cleaning/sterilisation logs.

Yes—generally under Public Liability if a client’s property is damaged as a result of your business activities (e.g., product spillage on a client’s handbag). Third‑party property damage not connected to your business activities is excluded.

You’re covered for treatments within your insured business description and dependent on qualifications.

For new or higher‑risk treatments, contact us to add or confirm cover and ensure your team has the right qualifications/training and follows manufacturer protocols. Some treatments may be restricted (see below).

Yes. Apprentices and trainees are included as employees for Employers’ Liability (optional extra, up to £10 million) if you employ staff. They must work within their training and supervision. Note that teaching/training as a service (i.e., professional instruction) is not covered under this policy.

Some higher‑risk treatments may require specific underwriting approval, evidence of qualifications, or may be excluded. If you plan to introduce advanced or invasive procedures, please contact us to confirm they can be covered.

This would typically be covered under Public Liability if the injury arises from your business activities (e.g., wet floors, obstacles). Keep a cleaning and hazard‑inspection log, display wet floor signage, and record accident reports.

Your policy covers your beauty salon’s liability. If you rent chairs/spaces, ensure written agreements require self‑employed beauticians to hold their own suitable liability insurance. Your policy does not extend to teaching/instruction and won’t necessarily cover independent operators’ treatment liabilities unless specifically noted.

Claims alleging injury or property damage are addressed under liability sections. Pure dissatisfaction with outcomes (without injury/damage) may not be an insured event. Good practice is to have consultation notes, informed consent, realistic expectation setting, and aftercare guidance to help resolve service complaints.

Yes. Under Business Contents and Tenant Improvements, the policy can cover treatment beds, salon chairs, fixtures, built‑in counters, fitted treatment rooms, plumbing/ventilation, lighting, and similar improvements you’re responsible for—against insured events.

Yes, as part of your business activities. If a client incident occurs in connection with serving refreshments (e.g., spill or reaction to a standard item), it can fall under Public Liability—subject to terms. Maintain hygiene standards and disclose common allergens where appropriate.