A client trips on a towel left on the salon floor and breaks a wrist. Their claim comes to £14,000.
Covered by Public Liability
Insurance for health, beauty and fitness.
What one bad appointment can cost.
The risks that come with working hands-on with clients, and the cover that pays.
A break-in at the studio takes the dryers, equipment and retail stock. Replacing it all costs £7,000.
Covered by Business Contents
A trainer you employ injures their back setting up equipment in the gym. Their claim comes to £13,000.
Covered by Employers' Liability
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. Most of it online.
Most quotes come back online in minutes. Some go to an underwriter for review first, and if yours does, we tell you.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for working with clients.
Your business is people coming through the door and trusting you with their time and their bodies.
Clients come through the door all day
A trip, a slip, a falling shelf. Public Liability pays the claim when a client or visitor is hurt or their property is damaged at your premises.
Equipment and stock you rely on
Business Contents covers the chairs, dryers, gym equipment and retail stock at your premises against theft, fire and damage.
A team behind the chair or the class
Employers' Liability is required by law once you employ anyone, and it pays when a member of staff is injured at work.
The policies that matter most
The core modules for your trade. Tap through for what each one does.
Get a quote- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- Business ContentsYour business equipment, stock and contents — loss, theft, damage.
- Employers' LiabilityRequired by law once you employ staff. Claims from employees who are injured or fall ill because of their work.
- Legal ExpensesLegal costs and expert advice when a dispute hits — employment claims, tax investigations, contract and debt recovery — plus a 24/7 legal advice line.
Who this covers.
Salons, therapists, trainers and tutors we cover. Search for yours when you start a quote, and we'll tell you if it needs review.
Hair salons
Cutting, colouring and styling hair.
Barbers
Cuts, shaves and grooming for clients.
Beauty salons and therapists
Facials, waxing, lashes and beauty treatments.
Nail technicians
Manicures, pedicures and nail art.
Sports and massage therapists
Sports massage, injury care and soft tissue therapy.
Aromatherapists
Massage and treatments using essential oils.
Personal trainers and fitness instructors
One to one training, classes and bootcamps.
Yoga instructors
Yoga classes, workshops and private sessions.
Gyms
Gyms and fitness studios with members on site.
Health spas
Spa treatments, pools and relaxation facilities.
Tutors
Private and small group tuition for students of all ages.
Music teachers
Teaching instruments, singing and theory.
Speech and language therapists
Therapy for speech, language and communication.
Hair salons
Cutting, colouring and styling hair.
Barbers
Cuts, shaves and grooming for clients.
Beauty salons and therapists
Facials, waxing, lashes and beauty treatments.
Nail technicians
Manicures, pedicures and nail art.
Sports and massage therapists
Sports massage, injury care and soft tissue therapy.
Aromatherapists
Massage and treatments using essential oils.
Personal trainers and fitness instructors
One to one training, classes and bootcamps.
Yoga instructors
Yoga classes, workshops and private sessions.
Gyms
Gyms and fitness studios with members on site.
Health spas
Spa treatments, pools and relaxation facilities.
Tutors
Private and small group tuition for students of all ages.
Music teachers
Teaching instruments, singing and theory.
Speech and language therapists
Therapy for speech, language and communication.
More than a policy
A dispute or a tax enquiry tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone, and if you ever do need to claim, we get your notification straight to the specialist team appointed to handle it, and they take it from there, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Questions, answered.
Public Liability for clients and visitors, Business Contents for equipment and stock, Employers' Liability once you employ anyone, and Legal Expenses for disputes.
Usually, yes. The salon's policy covers the salon, not you. As a self-employed stylist or therapist you'd normally hold your own Public Liability.
Tell us exactly which treatments, classes or sessions you offer when you quote. The cover follows what you declare, so leave nothing out.
Most health, beauty and fitness quotes come back online in minutes. Some go to an underwriter for review first, depending on the treatments or classes you offer, and we tell you if yours does.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).