New Product: Hair & Beauty


Commercial Express are delighted to announce the launch of our new Hair & Beauty product which is designed for hairdressers, barbers or beauty therapists that are mobile, freelance, working from home or rent a room and individuals or companies that own and or operate a hair, beauty, nail salon and/or studio.

Available as a stand-alone liability policy (also available with a treatment risk extension) for mobile hair and beauty professionals (including rent-a-chair arrangements), or as a package policy which provides material damage and liability cover options for those risks that are premises-based.

Our Minimum Premiums are as follows:

Mobile & Freelance / Working from home / Renting a room Insurance
£50 plus IPT + Fee

Salon and Studio Insurance       
£275 plus IPT + Fee

Hair & Beauty Treatments Cover: We provide a wide range of Hair and Beauty treatments which are automatically included such as Micro-needling, Glycolic Acid Peels, Ear-piercing using the gun and stud method, Electrolysis, Massage, Waxing, Hopi Ear Candling and much more.

Limit of indemnity:
• Public / Products Liability standard limit of indemnity is £2m with the option to increase to £5m
• Treatment Cover inner limit of £2m
• Employers Liability £10m standard

Patch Testing: The new Hair & Beauty product from Commercial Express is set apart from other providers, as we offer greater flexibility for Hairdressers and Barbers in the application of our Patch Testing Condition. Where most insurers state that the client must strictly adhere to “manufacturer recommendations”, we will cover the client in other scenarios:

  1. If they follow the recommendations of colourhouses or vendors relating to the hair product; or,
  2. If they are an approved Colourstart® account holder, we will cover the use of “OK to be Colour” passports.
Significant rate reduction on our Land Liability product
The Express News – November Edition