During the Covid-19 crisis, we are following UK Government guidance to keep our employees safe and look after our valued clients. Read our articles on support for your business.

You can also help us help your fellow businesses - as well as your favourite charity - at this difficult time by recommending us to someone you feel would benefit from our insurance.

Health & Beauty

Health & Beauty insurance

Towergate provides specialist Health and Beauty business insurance policies designed for Salon Owners, self-employed beauty therapists, self-employed nail technicians and self-employed hairdressers to cover the risks that practitioners and health and beauty businesses face.  As one of the UK’s largest independently owned brokers, with enormous buying power, we have made sure that we have selected a leading Insurer for your industry sector.

Our expert Towergate Health and Beauty team not only have a deep understanding of your industry and the risks involved, but also appreciate the subtle differences between one business and another. 


Self-employed Individual Therapist Insurance

If you are a mobile beautician, freelance hairdresser or nail technician, rent a chair in a salon or work from home, we offer cover for you. We insure a wide variety of Health and Beauty treatments.  Choose optional equipment cover at either £5,000 or £10,000 when you’re on the move or when it’s stored securely on the premises.

Please note: 

  • These policies are not suitable for members of staff directly employed by a salon on a new or existing agreement.  
  • This product has been designed for self-employed individuals, who may work in a salon on a freelance basis, or who are mobile or work from home for example.


Key Features


We know that as a highly trained professional and salon owner, your whole business, your assets, your profit and your clients’ wellbeing are paramount.  At Towergate Health and Beauty our knowledge and expertise means we can provide a tailor-made package for your salon to help you protect your business and your clients if the worst should happen.

  • £5,000,000 Public, Product and Treatment Liability
  • £10,000,000 Employer’s Liability
  • £600,000 Business Interruption over 24 months
  • Cover for Contents anywhere in the UK
  • Sunbeds and Optional Extensions including new treatments
  • Shopfronts, Glass and Money cover included as standard
  • Commercial Legal Cover


  • £5,000,000 Public, Product and Treatment Liability
  • Over 170 different Treatments automatically included
  • Optional Cover for Advanced Treatment Extensions
  • Instant Cover Available
  • Annual cover from £53.00


Hair Stylists, Hairdressers and Barbers

  • 5,000,000 Public, Product and Treatment Liability
  • Barbering, styling, colouring, curling, crimping and everything in between
  • Instant Cover Available
  • Annual Cover from £44.00 


Nail & Spray Tan Technicians

  • £5,000,000 Public, Product and Treatment Liability
  • Includes nail treatments, make-up and spray tanning product and services
  • Instant Cover available
  • Annual cover from £41.00 

Contact our Nationwide specialist broker in Stevenage

Kings Court, London Road, Stevenage, Hertfordshire, SG1 2GA


01438 739 739

Coronavirus (Covid-19) – Update for Towergate customers

During the COVID-19 Coronavirus crisis, we want to reassure our customers and partners that we are following UK Government guidance,
and as a result our national offices are closed to both safeguard the health of our employees and our ability to look after our valued clients.
Where possible, our employees are working from home and we are still fully able to support with renewals, new cover requirements and
claims guidance and support. This includes giving our colleagues the ability to work from home or alternative locations,
which we hope will limit the disruption and enable you to speak to us for advice and support should you need it.
Read more