Beauty therapist insurance that lets your business glow

As soon as you start carrying out treatments for clients — whether from a salon, a home setup, or as a mobile therapist. Beauty treatments involve products, tools, and close physical contact that create specific risks. Cover should be in place before your first client appointment.

No — it isn't a legal requirement in the UK. However, many professional beauty associations and training bodies require it as a condition of membership or practice. Salon owners will also require evidence of your own cover if you rent a treatment room. Without it you're personally exposed to claims that could be financially significant.

It covers compensation claims and legal fees if a client or member of the public is injured or their property is damaged as a result of your beauty treatments. Common examples include a client suffering a skin reaction to a product or treatment, a client being injured during a waxing, lash, or facial procedure, a client slipping or tripping in your treatment space, or damage to a client's clothing from a product spill. It covers both the compensation payment and your legal costs, even if a claim turns out to be unfounded.

Public liability insurance covers claims from members of the public — it doesn't cover claims from your own employees (that's employers' liability), losses caused by professional advice or diagnosis (you'd need professional indemnity for that), or damage to your own equipment and products. Always check your policy wording carefully to understand exactly what's included.

Cover is available for a wide range of beauty treatments, but specialist treatments such as lash extensions, microblading, and semi-permanent makeup carry specific risks and need to be declared when getting your quote. Make sure you list all the treatments you offer so your policy accurately reflects your work — undisclosed treatments could affect any claim.

Yes — you need cover in place from the moment you start working with clients, even if you're newly qualified. Many training courses and professional associations also require evidence of insurance before you can practise. We can arrange cover for newly qualified therapists and our team can help you choose the right level for the treatments you offer.

Standard cover starts at £1 million, which is sufficient for most beauty therapists. If you carry out higher-risk treatments such as semi-permanent makeup, lash extensions, or advanced aesthetic procedures, a higher level may be more appropriate. Our team can advise on the right cover level for the treatments you offer.

Yes — business insurance is an allowable expense, which means you can deduct the cost when calculating your taxable profit. Make sure you keep your policy documents and receipts as records for HMRC. If you're unsure, speak to your accountant.

Yes — you'll receive proof of cover instantly when your policy is in place, which you can share with room rental providers or associations straight away. If you also take out employers' liability cover, a Certificate of Employers' Liability will be issued immediately.