National Minimum Wage rates changed on 1 April 2026. Check you're being paid correctly. Use the checker →
What cover types you need by beauty specialism.
| Cover Type | Hair | Beauty | Nails | Lashes | Aesthetics | Mobile |
|---|---|---|---|---|---|---|
| Public Liability | ||||||
| Professional Indemnity | ||||||
| Products Liability | ||||||
| Employers' Liability | ||||||
| Treatment Risk Cover | ||||||
| Contents/Equipment | ||||||
| Portable Equipment | ||||||
| Legal Expenses |
✓ = Recommended/essential. Employers' Liability is required only if you have employees. Portable Equipment cover is essential for mobile workers.
Want to sponsor this section? Learn more
We use a single essential cookie to remember your choice. If you accept, we also load Plausible — a privacy-friendly, cookieless analytics tool — to count anonymous page views. No tracking pixels, no advertising. Learn more
BeautyKiln provides free, plain-English information for self-employed UK beauty workers. It is general guidance, not professional advice.
Our guides, tools, templates and document builders are designed to help you understand your rights and options. They are not a substitute for advice from a qualified solicitor, accountant, financial adviser or medical professional.
Always check with a qualified professional before making important decisions about your business, tax, legal obligations or health.
If you are experiencing a mental health crisis, call Samaritans on 116 123 (free, 24/7).
By continuing, you accept our Terms of Use and Privacy Policy.