Operating a salon in London — whether a hair studio, beauty spa, nail bar or aesthetic clinic — means balancing creativity, client experience and business risk. From slip-and-fall accidents to treatment reactions, equipment breakdowns, or property damage, the potential for liability is real.
At Fraser Bond, we advise both salon business owners and property owners/landlords of salon tenants. Understanding insurance for salons ensures both the business and the premises are protected, supporting compliance, continuity and value preservation.
Salon insurance is a bundled type of cover designed for the unique risks of hair, beauty and aesthetic operations. It typically includes, and should be customised to your business:
Public Liability Insurance – Covers claims from clients or visitors who are injured or whose property is damaged while at the salon.
Employers’ Liability Insurance – Legally required if you employ staff. Covers claims from staff injury or illness in the course of work.
Treatment Risk / ProfessionalIndemnity / Malpractice Cover – Protects against claims arising from salon services such as hair colouring, beauty treatments, aesthetic procedures or allergic reactions.
Products Liability Insurance – If you sell or supply products (e.g., hair care, cosmetics), this covers claims for harm caused by those products.
Contents, Equipment & Stock Cover – Covers your salon’s furniture, equipment, tools, stock and fittings against theft, damage, fire or flood.
Business Interruption Insurance – Helps cover loss of income or fixed costs if your salon cannot trade due to an insured event (e.g., fire, flood, major damage).
Buildings Insurance – If you own the premises, or as a tenant you may need to check the landlord’s cover or add certain cover for landlord-improvements.
Specialised Add-Ons – Cyber liability (if you handle bookings or client data online), legal expenses cover, mobile/remote services cover.
London presents elevated risk and value factors for salons: high footfall locations, premium equipment, expensive premises, complex treatments, and strong competition. A claim or property incident can have outsized impact.
For landlords or property owners letting a salon space, the salon tenant’s insurance status is also critical. If a salon causes damage, liability or closure of the premises, it can impact your property asset and value.
At Fraser Bond we stress that proper insurance contributes to value preservation and liability management for both salon operators and property stakeholders.
To select and maintain appropriate insurance, consider the following:
Define your services – Are you a simple hair salon, or do you offer lasers, injectables, nails, mobile services? More advanced treatments typically require higher or specialist cover.
Check your client base & location – London salons often incur higher premiums due to higher risk & cost exposures.
Assess your staffing & employment situation – If you have employees, Apprentices, or sub-contractors, Employers’ Liability is mandatory in the UK.
Review policy limits & exclusions – Ensure the policy limit is sufficient (many lead with £1-5 million public liability for salons).
Ensure treatment-risk/extensions are included – Standard public liability may not cover treatment errors or economic loss; check for "treatment risk" cover.
Match the premises risk – Equipment value, stock, location, foot-traffic, security, building condition all affect cost and coverage.
Landlord / lease considerations – As a landlord leasing to a salon, you may require the tenant to show proof of insurance or have cover for tenant-damage to property.
Review annually & update as business changes – If you add services, change location, or significantly increase turnover, your insurance needs likely change.
While Fraser Bond is primarily a London-based property agency and consultancy specialising in sales, lettings, compliance and investment advisory, we also support clients in the salon sector (especially where property is involved) by:
Advising on premises risk for salon tenancy (property condition, lease obligations, insurance requirements).
Reviewing insurance cover for salon tenants and ensuring alignment with property and landlord risk.
Offering insight into cost-drivers and compliance issues for salon businesses in high-value London locations.
Partnering with specialist brokers to ensure tailored insurance solutions for salon operators.
Our integrated approach across property, business operations and insurance means clients get well-rounded advice.
If you operate or lease out a salon in London and want to ensure you have the right insurance cover in place, visit FraserBond.com or contact our London advisory team. We’ll guide you through cover options, property-risk alignment, and how to protect both your business and your premises.
