Hair & Beauty Insurance | BBi Ireland
Operating in the beauty industry requires specialist protection against treatment risks. Standard business policies rarely address the unique challenges beauty professionals face. At BBi Ireland, we can arrange insurance solutions for salons, stylists, and beauty therapists across Ireland.
Hair & Beauty Insurance | BBi Ireland
Operating in the beauty industry requires specialist protection against treatment risks. Standard business policies rarely address the unique challenges beauty professionals face. At BBi Ireland, we can arrange insurance solutions for salons, stylists, and beauty therapists across Ireland.
What is Hair & Beauty Insurance?
Working in the hair and beauty industry involves much more than just cutting and styling hair, or providing waxing and soothing facials. It’s about creating an experience that helps clients feel confident and good in their own skin.
For many clients, these treatments are an opportunity to be pampered or undergo a transformative change in their appearance. However, things don’t always go as planned, and as a freelance or mobile beauty professional, you face a range of risks. For example, you might accidentally burn a client’s scalp during a bleaching session or cause skin irritation from hot wax.
You’ve invested a lot of time and effort into building your business, and it’s crucial to protect that investment with a specialist insurance policy.
Why Choose BBi as a Broker Partner
Our Heritage
Dedicated Account Manager
We have specific service level agreements with insurer partners, ensuring our clients get a great service.
In-house Claims Team
BBi Ireland has an experienced team of professionals looking after your needs when you need us the most.
35+ years’ experience
With up-to-date knowledge of the latest legislation and health and safety issues faced by companies across Ireland.
Flexible Cover
Our cover and payment methods are flexible so you can choose the option that suits your business needs.
One Stop Shop
We can arrange cover for a wide range of business and personal insurance requirements.
What Can Hair & Beauty Insurance Cover?
We understand that every beauty business has unique requirements, particularly regarding premises and equipment protection, which is why we can arrange a wide range of bespoke cover for both your on-premises and mobile treatments, including:
Property Insurance
This covers your business property, including your salon, equipment, and stock, in case of damage due to events like fire, theft, or flooding.
Professional Indemnity Insurance
This covers you if a client claims they received poor advice or service that resulted in financial loss or harm. For instance, if a hair dye causes an allergic reaction, this insurance can cover legal costs and compensation.
Public Liability Insurance
Can cover the cost of claims made by clients or third parties for injury or property damage caused by your services. For example, if a client slips and falls in your salon, this insurance would cover any legal costs and compensation.
Business Interruption Insurance
Protects your income if your operations are disrupted due to an insured event, such as a fire or flood, helping you recover lost revenue and maintain business continuity.
Product Liability Insurance
If you sell products in your salon or use them in treatments (e.g., shampoos, hair dyes, or skincare products), this insurance can cover claims if a product causes harm to a client.
Contents Insurance
This protects the possessions within your home from risks such as theft, damage, or loss. This includes coverage for items like carpets, curtains, furniture, white goods, and other household essentials, offering you peace of mind for your valuables.
Employers Liability Insurance
This protects employers from legal claims made against them by any employees for loss or injury at work.
We Can Also Arrange Sector-Specific Covers Including...
In addition to standard covers, we can also arrange bespoke policies for more specific aspects of your business, including:
- Chemical treatments such as hair colouring, bleaching, and perming
- Advanced beauty treatments like microdermabrasion and laser hair removal
- Client consultations and patch testing
- Training and demonstration activities
- Styling services for weddings and events
- Equipment and tool usage, including portable devices
- Protection for high-value items, such as specialist tools and machinery
Get protected today
Ready to safeguard your beauty business? Let our experienced team help you find the right beauty insurance for your salon or freelance practice. Let our team arrange the cover needed to protect your beauty business. To get started, simply Email us, give us a call or visit our Cavan office for a consultation.
Frequently Asked Questions
It’s important to get the right Hair & Beauty Insurance for your business. To help you do that, here are our frequently asked questions about Hair & Beauty Insurance. If you’d like some independent advice, please call us on +353 49 433 1038, and the team will be happy to help.
Our policies typically include public liability, employers liability, professional treatment risk, and protection for your equipment, stock, and premises.
Yes. Standard business policies often overlook the unique risks involved in beauty treatments, such as chemical procedures and advanced aesthetic techniques.
Contact our team to discuss your business needs, and we’ll help you create a policy that’s right for you.
During your consultation, we’ll clearly outline any exclusions or limitations in your chosen policy to ensure you have a complete understanding.