Hairdressers Insurance for the Salon Itself

This covers the salon, not the treatment. It can include the premises, the fit-out, your chairs and basins, retail stock and liability to a client who slips on a wet floor. It does not include treatment or malpractice liability, so colour and chemical claims need cover arranged elsewhere. Subject to the Policy Schedule and its limits.
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Hairdressers Business Cover Explained

  • For hairdressing salons and hair studios in Great Britain, where the trade is on the accepted list.

  • There is no treatment or malpractice liability here. Colour, chemical and cutting claims are not covered.

  • A client slipping on a wet floor is public liability. A reaction to a dye is not. Know the difference.

  • Only the sections shown as selected in your Policy Schedule apply, subject to terms and limits.

Retail Insurance for Salons: What Cover Can Include

The Lukango retail business insurance product can include property damage, public and products liability, business interruption following insured damage, money and assault and goods in transit. For a salon that means the premises and the fit-out, the chairs, basins and dryers, the retail stock on the shelf, the takings and the trade lost if you cannot open. It does not extend to treatment. Each section is subject to eligibility, terms, exclusions, excesses and limits.

Premises
Fit-out
Stock
Clients
Glass

Property damage

May cover insured damage to buildings, contents and stock at the named salon premises.

Public and products liability

Can help with certain third-party injury or damage claims, and goods you sell.

Business interruption

May cover trade lost following insured damage that stops the salon opening.

Money and assault

Can include theft, attempted theft or robbery of business money, plus defined assault benefits.

Goods in transit

May cover eligible goods while in transit within Great Britain, including loading and unloading.

Property extensions

May include fixed glass, signage and mirrors, within the limits in the wording.

Choosing the Right Hairdressers Insurance Cover

The first question with hairdressers insurance is which risk you are actually buying for. This product is built around the salon: the premises, the fit-out and equipment, the retail stock and liability to people on site. Treatment risk is a separate purchase. After that, compare the value of the fit-out, how much stock you hold, your turnover and how takings are handled. Read the IPID, Policy Schedule and full wording.

Treatment is not covered

The most important line on this page

Colour reactions, chemical burns, cutting injuries and any claim arising from the treatment itself sit outside this product entirely. If that is what you came for, this is not it.

If you already hold treatment cover

Through a trade body or a specialist

Plenty of salons carry treatment liability separately and still need the salon itself insured. That is the gap this product is built for, and it is a sensible pairing.

The fit-out is the big number

Chairs, basins, dryers, mirrors

A salon fit-out costs far more than most owners insure it for. Consider what replacing the chairs, basins, backwash units and mirrors would actually cost today.

Glass and frontage

Mirrors, windows and signage

Property extensions may include fixed glass and signage within the wording limits. Salons carry an unusual amount of glass, so check those limits against what you have.

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A row of styling chairs and mirrors in an empty hair salon with a backwash unit at the far end

Hair Salon Insurance: Premises, Fit-Out and Stock

Hair salon insurance under this product is cover for the business premises and what is in them. Property damage can include buildings, contents and stock at the salon named in your Schedule, where the section is selected and the loss is caused by an insured peril. That is the fit-out, the equipment and the retail products on the shelf. Public liability can respond to injury or damage to third parties at the salon, such as a slip on a wet floor. It is not treatment cover, and no part of this policy is. The Policy Schedule confirms which sections apply, the sums insured, excesses and sub-limits.

Shelves of unbranded shampoo bottles and folded towels beside a salon reception counter

Why Find Salon Insurance Through Insureworks?

Insureworks is here to make finding insurance simple and transparent, and on this page that mostly means being blunt. This is not a full salon policy. It carries no treatment or malpractice liability, and a hairdresser who buys it expecting cover for a colour claim has bought the wrong thing. What it does cover is the salon itself, which is a real and often under-insured exposure. This page is information only and is not personal advice. Insureworks is not the insurer and does not underwrite or pay claims.

How Salon Business Cover Works

  • Decide first whether you need treatment liability, premises cover, or both, because this product only provides the second.
  • Review the IPID, Policy Schedule and policy wording to understand the selected cover, its limits, excesses, conditions and exclusions.
  • Provide complete and accurate information when arranging, renewing or changing the policy, including your activities and any material changes.
  • Notify a claim as soon as possible, provide requested evidence and report theft, malicious damage or criminal acts to the police.

Hairdressers Insurance FAQs

Four questions we are asked most often about insuring a hair salon.

No. This product carries no treatment or malpractice liability of any kind. A reaction to colour, a chemical burn, a scalp injury or any claim arising from the treatment itself falls outside it completely, and needs a separate policy arranged elsewhere. What this covers is the salon premises and its contents, and liability for things like a slip on a wet floor.

Public liability deals with injury or damage to a third party at your premises, for example a client tripping over a trailing cable. Treatment liability deals with harm arising from the service you perform on them. Only the first is available under this product, and the distinction matters far more in a salon than in most trades.

Chairs, basins, backwash units, dryers and mirrors can be included as contents under the property damage section where that section is selected. Cover responds to insured perils rather than every cause of loss. Salon fit-outs are commonly under-insured, so the sum insured should reflect current replacement cost rather than what was paid.

That is the situation this product suits best. If your treatment liability is already arranged, the salon itself still needs insuring: the premises, the fit-out, the retail stock, the takings and the income lost if you cannot open. Check the two together so there is no gap between them.

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