Hair And Beauty Insurance Quotes 

Are looking for Hairdresser or Beauticians Insurance?  
Here at Town & Country we can provide Business Insurance for salon owners and beauty therapists including laser hair removal, massage, holistic and alternative treatments as well as all liability cover. We can offer special and often unique rates for beautician insurance throughout the UK. 
We can help you find a policy with the covers that you need.  
Whether you offer 'standard treatments' such as facials, manicures, pedicures, hair removal or even the more specialist treatments such as laser tattoo removal or microdermabrasion, we can provide full package policies or liability policies in isolation. For a full list of procedures we can provide cover for, please read the form below. 
Our quotations are from multiple insurers, a trained member of our staff will speak to you on the phone to take the details relative to your business and discuss your requirements with up to a dozen insurers. We will then return to you the best prices for your consideration. 
Town & Country are Beautician insurance specialists and our aim is to understand our clients insurance needs. We understand the needs of the sector, take the time to listen and understand your specific requirements and deliver the right cover at the right price. 
We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

Insurance Quote Details 

Treatments We Can Cover . . . 

Beauty Treatments 
Facial treatments 
Prescription facial 
Dermalogica treatments 
Deep cleanse, exfoliate, masque and face, 
Neck and shoulder massage. 
Mini facial 
Eye treatment 
Eyebrow shape 
Eyelash tint 
Eyebrow tint 
Flare lashes 
Individual lashes 
Strip lashes 
Hand and foot treatments 
Paraffin wax 
Facial electrical treatments 
Resurfacing facial 
Priadara electro facial 
Replenishing, rejuvenating and hydrating treatment using galvanic, vacuum suction and high frequency machines. 
Micro-derm abrasion 
Non surgical facials 
Facial toning machine to improve contours and give a face lifting effect. 
Spa treatments 
Body wrap 
Steam cabinet 
Hydro bath 
Fake Bake tanning 
Body Electrical Treatments 
Skin conditioning 
Electric muscle stimulation to tone muscles 
Cellulite treatment 
Vacuum suction 
Lymph fluid retention 
Vibratory massage 
Body treatments 
Tension back massage with infrared or audio sonic 
Full body massage 
Back massage 
Hot stone therapy with massage 
Aromatherapy massage 
Indian head massage 
Electrical Epilation 
Permanent hair removal 
Laser Tattoo Removal 

Hairdressers And Beauty Insurance Information 

Beauty Therapy 
Whilst hairdressing and beauty therapy are sometimes practised alongside each other within the same salon, they are clearly very different professions, different specialist insurances are required for each treatment each risk undertakes. 
We are therefore pleased to be able to offer you a policy with a package of covers especially for hairdressers and beauty salons, we can extend our policies to cover any and just about all treatments currently undertaken, including the currently popular and expanding laser and IPL treatments which causes some insurers issues. 
Our insurance policy is equally suitable for all hairdressers and/or beauty salons, from mobiles through to small treatment rooms to corporate groups and whatever type of salon you have, you will find us competitive on price and extremely simple to arrange. 
Here is a brief summary of the covers you could have under your policy wording. A full summary is available on request. 
"All Risks" cover for contents and stock 
Generous seasonal stock increases 
Employers Liability cover 
Public Liability cover 
Beauty treatment liability cover 
Compensation for court attendance 
24 hour crisis line 
24 hour legal helpline 
Internal and external glass breakages 
Business Interruption compensation 
Comprehensive money cover 
Stock and contents in transit cover 
Compensation for the replacement of stolen keys 
Exhibition cover 
Accidental failure of your telephone line 
Accidental failure of your electric, water and gas supplies 
Even monthly instalment options 
When buying a salon insurance for Beauty Risks or as a Beautician we would advise that you inform your insurers of each and every treatment undertaken, do not presume that all covers will be included, many of the insurers have defined lists of what they consider themselves at risk for and you could be trading without the relevant protection. 
The Buildings and Contents of the Premises 
Your contents (and if selected buildings) are insured against loss or damage caused by a standard range of insured risks normally associated with your trade including Accidental Damage. In addition cover is automatically extended to include: 
Damage to Underground Services 
Trace and Access costs 
Removal of Debris costs 
Architect and Surveyors Fees 
Automatic Reinstatement of Sums Insured 
Money and Personal Accident (Assault) 
Covers your business money In transit, on premises during business hours, or in a bank night safe In the business premises when closed for business or in the private dwelling 
Personal Accident (Assault) 
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000 Total uninterrupted Disablement (up to 104 weeks) £100 per week 
Glass Breakage 
Damage to fixed glass and fixed items of sanitary ware 
Goods In Transit (OPTIONAL) 
If you have selected this option your needs are those of a retail business that delivers or collects goods and requires cover on those goods whilst in the course of transit 
Damage to the trade contents whilst in transit by vehicles owned hired or leased by you 
Business Liability 
The following will automatically be included: 
Business Interruption 
Loss of Gross Profit following loss or damage by an insured peril 
Cover is extended to provide cover in respect of: 
Prevention of Access 
Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests, 
Defective Sanitation 
Damage at Suppliers premises 
Failure of Public Supply of Electricity Gas or Water 
Failure of Telecommunications 
Equipment Breakdown 
The policy covers damage and any subsequent loss of income caused by Breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy: Includes damage to perishable goods caused by failure of the insured equipment 
Commercial Legal Protection including: 
Employment Disputes & Employment Compensation Awards 
Legal Defence 
Contract Disputes 
Property Protection 
Bodily Injury 
Debt Recovery 
Tax Protection 
Your policy will be issued on the basis that you confirm the minimum standards of security apply to your premises. 
Cover will be granted on the understanding that you will cooperate with your insurers in any survey process and that you will comply with any requirement arising from any survey of your premises. 
Any business publicly trading needs liability insurance and it is essential that the business is covered from any loss due to unforeseen circumstances. Hairdressers and Beauty salons are no different. It is specifically important since these types of businesses perform treatments and services for their customers, and if anything were to go wrong the business can be held responsible, which can cost more than a small business is capable of paying. Without the correct cover the costs incurred by an accident could put a hairdressers or beauty salon out of business. 
Who can we help? 
At Town & Country Insurance Services we can help any business large or small in any area of business, but specifically we have specialist staff who focus on Hairdressers and Beauty Salons. 
It doesn't matter what size your business whether your a single mobile beautician, or own a chain of salons, we can help. 
Why will a standard policy not work for everyone? 
Each insurance policy needs to state exactly what is covered, and anything left out is not covered. Any standard Hairdresser or Beauty Salon policy will have a list of treatments and risks that are covered, but every business is different. .If you do not fall exactly within what the policy defines as a standard hairdresser or beauty salon then there may be activities and risks you are not covered for. On the other hand you may fall within the confines of the policy, but will be covered for activities and risks that do not apply to you, this means that you could be paying more than you need to. So a tailored individual policy can help almost every business. 
How can we help? 
Since each business can benefit from a tailored individual insurance policy we take the time to get to know you and your business. We never provide standard policies to any of our customers, we take the time to talk to up to a dozen insurers and discuss your personal needs to find a bespoke policy that will suit your business and give you the cover you need. 
Get A Hairdressers & Beauty Insurance Quote
Get A Hairdressers & Beauty Insurance Quote
Normally, you will have to pay a contribution towards the cost of any claim (this is known as the excess). These excesses will vary according to the covers you have selected and/or our assessment of your risk. Your Policy Schedule will show the specific excesses applicable to your cover. 
Amongst other Exclusions as standard your policy excludes most Terrorism cover. You are able to purchase additional cover from us to include some aspects of this risk if required. 
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