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 Sevenoaks

26-28 Pembroke Road, Sevenoaks, Kent, TN13 1XR

0344 892 1300