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Insuring Your Business
You've registered your business, now it’s time to secure your safety net. No matter how skilled or careful you are, accidents and unforeseen issues can happen - and the right insurance keeps you covered while showing clients that you take their safety seriously.
Research by ABT (Associated Beauty Therapists) shows that 72% of clients feel more confident booking treatments with professionals who display proof of insurance.
Core insurance options
Type of Insurance | What it covers | Best For | Extra Considerations |
|---|---|---|---|
Public Liability Insurance | Legal fees and compensation if a client slips, trips or has an accident in your workspace or during a treatment | All professionals, whether mobile or salon-based | Often the first type of cover clients or venues will ask for |
Professional Indemnity Insurance | Claims related to harm or reactions caused by your service | Therapists, stylists, beauticians, and wellness practitioners | Offers peaces of mind if advice, treatments or techniques are questioned |
Equipment Insurance | Cover for tools and machines if damaged or stolen | Mobile professionals or anyone with high-value equipment | Check whether cover applies at home, in transit, and at events |
As your business expands, consider:
Type of Insurance | What it covers | Best For | Extra Considerations |
|---|---|---|---|
Product Liability Insurance | Compensation claims linked to products you sell such as haircare, skincare or wellness items | Businesses retailing products alongside services | Often included with public liability, but always check policy details |
Employers Liability Insurance | Injuries or illnesses that staff experience at work | A legal requirement if you employ staff | Essential for compliance and protects both you and your team |
Compare providers and get quotes from specialists:
BABTAC – A professional membership body that offers accredited insurance cover, training support, and credibility for qualified therapists. Use code SSBABTAC10 for 10% off membership and insurance.
Simply business – A comparison site designed for small businesses. You can get tailored quotes for beauty and wellness insurance in minutes.
Compare the Market – A well-known comparison platform that allows you to view a wide range of business insurance providers side by side.
Business Comparison – Focused on helping small and growing businesses find competitive insurance and financial services.
ABT – One of the largest membership and insurance providers for beauty professionals, offering specialist cover and industry support.
Salon Gold – Insurance specialists for beauty, hair, nails, and holistic therapy businesses, with affordable packages for freelancers and salons.