Mobile beauty insurance
Join over 900k UK customers (including over 2,500 mobile beauticians like you) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need mobile beautician insurance?
Your entire brush collection stolen. A spillage on your client’s dress. It’s easily done, but insurance for beauticians, built specifically around your risks, is designed to keep you up and running if something goes wrong. From public liability cover for accidents and injuries to insurance for your tools and products, it’s all under one policy.
- protection from damaging claims for accidents and injuries
- cover for your kit and products plus your laptop if you use it for work
- pay monthly or for the whole year depending on what works best for you
What does mobile beauty therapist insurance cover?
Whether you’ve got years of experience or just finished up at college, your clients are relying on you for care, expertise and attention to the tiniest detail. Use our cover options to set up expert mobile beauty insurance, pay monthly if you need to, and add in cover for an employee or two if you grow into a bigger team.
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Public liability insurance for mobile beauty therapists
In case you or your employee injure someone or damage their property.
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Employers’ liability insurance
In case something happens to an employee while they’re working for you.
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Beauty tools insurance
In case your makeup and treatment tools are lost, stolen or damaged.
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Stock insurance
In case the products you rely on are lost, stolen or damaged.
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Business and office equipment insurance
In case something happens to equipment you use to run your business.
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Legal expenses insurance
In case legal costs hit your beauty business.
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Personal accident insurance
In case you or anyone you’ve covered has an accident at work or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does mobile beautician insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example mobile beautician insurance quotes, real prices
£8.06 /month
£60.59 /year
A mobile beautician specialising in eyebrow tinting/shaping and false eyelash application
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Luton
Public liability
£1,000,000
Employers’ liability
Not included
Stock
Not included
£26 /month
£231.13 /year
A small mobile beautician company performing a range of treatments, including pedicures, electrolysis and eyebrow tinting/shaping
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Coventry
Public liability
£1,000,000
Employers’ liability
£10,000,000
Stock
£2,500
How we work out example quotes These examples are real quotes from our online system (created 10/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Can I just cover my most expensive beauty tools?
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Which type of workers do I need insurance for?
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Will tools insurance cover all my beauty equipment?
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Does mobile beautician insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having mobile beauty therapist insurance through Simply Business has saved beauticians thousands of pounds when the unexpected happened.
Lottie saved more than £5,400
Following a waxing treatment, Lottie (not her real name) received a letter from her client, saying they’d received severe burns. Her beauticians’ insurance covered the associated costs.
Insurance payout
£5,459.00
Covering the cost of public liability
Insurance payout
Covering the cost of public liability
Covering the cost of public liability
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Mobile beauty insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about mobile therapist insurance, from paying monthly to working from home. You can also check out our business insurance FAQs.
A waxing accident can be covered by the public and product liability cover in your mobile beauty insurance policy, from burns and other injuries to property damage resulting from a spillage.
Claims can run into thousands of pounds for an injury or serious property damage – for example, if you dropped hot wax onto an expensive rug or handbag – so check the level of cover you need. A Simply Business policy provides between £1 million and £10 million in product and public liability cover.
Even if you’re all set up at home and don’t often travel for work, your business still faces specific risks.
Public liability insurance is a popular cover for many home businesses, as it can protect you from a claim if someone is injured or their property gets damaged while they’re with you. Lots of businesses also choose to add tools, business equipment and stock cover, for the essential items they keep with them at home.
You’ll also still need employers’ liability insurance if you employ anyone – for example a temp you hire during the busy wedding season or an assistant. It’s usually a legal requirement, so don’t leave it out, even if you’re based at home.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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