When you're in charge of pampering, perfecting and transforming your clients, you take on a huge responsibility. As beauty therapists and cosmetic professionals, the last thing you want is for your work to have a negative impact on your client. Unfortunately, no one is immune from the risks which come from such intimate professional services; allergic reactions, accidents and illness are bound to impact your beauty business one day.

That’s where professional beauty insurance can help. Whether you an established beauty business or you work freelance as a mobile beautician, comprehensive liability insurance is an essential consideration. If a treatment or salon visit does end in disaster, the legal consequences could be hugely damaging for your business. With the right level of beauty insurance, you can give yourself, your employees and your clients protection and peace of mind.

Our beauty insurance and public liability insurance for hair and beauty professionals covers a wide range of professions, including:

Hiscox provide comprehensive cover for professionals within the beauty industry. Create an insurance package that will protect your business against malpractice and liability compensation claims.
If you're unsure about the difference between beauty insurance and hair insurance, the answer concerns the type of activity covered. We offer the same insurance products for both hair and beauty professionals, but hair stylists will be covered for activities like cutting and dyeing, while beautician insurance covers body scrubs, waxing and skin treatments.

If you haven't found your profession or if you offer a beauty therapy that isn't listed above, we may still be able to help. We cover businesses across a huge range of industries, see our Holistic Therapies Insurance page to see if your profession is included here. You’ll also find the full list of professions we cover in the dropdown menu at the bottom of the page.

Call on 0800 2800 351 Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Professional treatment insurance

From face masks to pedicures, professional treatments ensure that clients are looked after from head to toe. However, the hands-on nature of your business means that you, the service provider, are vulnerable to claims injury or illness caused by alleged negligence or malpractice. That's why we developed professional treatment liability insurance, to protect beauty therapists and professionals from financial risk.

What claims does this kind of beauty treatment insurance help with?
We offer protection against a wide range of risks. Our professional beauty insurance covers bodily injury and mental injury, along with disease or death arising from business activities. Some of the most common scenarios beuaty therapists and treatment providers want protection against include:

  • If a client sustains an injury because you make a mistake during treatment. For example, if you burn them by using wax that is too hot. We offer cover for both immediate and subsequent claims.
  • If a client claims they have suffered an allergic reaction to one of your products.

More about Hiscox Professional Treatment Liability insurance

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Tailor your business insurance quote

  • Award-winning claims service
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts

Professional beauty insurance: Employers’ liability cover

When you’re running a business, clients and members of the public aren’t the only concern – employees need to be fully protected from risk too. Employers’ liability insurance is a legal requirement, even if you are only using an apprentice for a short period of time. Employers who haven't got this cover in place could find themselves facing fines, so don't put if off.

If an employee experiences an injury or illness because of something that happens at work, they are entitled to take legal action against you. Employer’s liability insurance protects you against the costs of defending or settling these legal claims in court.

What claims does this kind of beauty liability insurance help with?

  • If an employee is injured at work through an accident or equipment malfunction. For example, if a hair straightener malfunctions and burns them.
  • If an employee becomes ill because of something that happens at work. For example, if they get sick due to unsanitary work conditions.

Even though you try to make your workplace as safe as possible for employees, there is always the possibility that something unforeseen may happen. In these instances, an employee could seek compensation – and if the incident exposes a breach of regulations, you could be prosecuted.

To find out more about Hiscox Employers Liability Insurance visit our main policy page, or to research the ins-and-outs further, check out the employers' liability FAQ hub.

Professional beauty insurance: Public Liability cover

If a client or member of the public were to claim that your business caused them property damage or bodily injury, you may have to go to court. Our public liability insurance would protect your business against the cost of settling or defending such a claim.

What does this kind of beauty business insurance help with?

Our public liability insurance covers you for claims made by members of the public (including clients) for injury or property damage caused by your business. For example:

  • If a client or member of the public were to sustain a personal injury on your premises. For example, if they were to slip and fall in your premises.
  • If a client’s property were to be damaged by your business. For example, if one of your therapists were to knock over and break an expensive ornament while visiting a client in their home, you’d be protected.

What doesn’t it help with?

It’s important to note that this kind of hair & beauty industry insurance doesn’t cover malpractice. That means you won’t be protected for a mistake you make in the delivery of a treatment, like using the wrong product or technique on a client. That kind of incident would be covered by professional treatment insurance (see above).

More about Hiscox Public Liability Insurance

Do I need both public liability + Employers liability insurance?

If you employee one or more members of staff, your business is legally required to have employer’s liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public consider this kind of beauty insurance essential. It’s worth noting that your employees are not covered by public liability insurance.

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Personal accident insurance

Our personal accident insurance is designed to support you, as a business owner, if you or a key employee are unable to work due to an accidental bodily injury. When it comes to health and beauty businesses, you’ll know that the sudden loss of a member of staff could have a significant detrimental effect on your business. This beauty industry insurance policy can help protect against the financial impact by providing your business with a lump sum or weekly amount up to the limit of your cover.

More about Hiscox Personal Accident Insurance

Cyber & Data Insurance

As a salon owner, computers might not be an integral part of your business, but you probably still use them for record-keeping or appointment-booking. If you do, there is always the risk of being attacked by a hacker or experiencing a data leak. In these situations, cyber and data insurance could be very helpful. This kind of beauty insurance protects you against potential legal and recovery costs in the event of an incident, while providing you with year-round peace of mind.

More about Hiscox Cyber and Data Risks Insurance

What is your profession?

Find out more about the range of insurance covers we offer to specific industries and professions in the list below: