Beauty Salon Liability Insurance in Iran
For hairdressers, beauty salons, skin and hair service specialists and licensed laser service centers.
Persian twin page (authoritative): /liability/professional/beauty-salons
Short answer
Beauty salon liability insurance in Iran compensates bodily and financial injury to clients from accidents during services, skin sensitivity reactions and instrument contamination, up to the policy limit. Injection and laser services usually require express scheduling and the relevant permit in the policy; without that scheduling they are not covered at all.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Women's and men's hairdressers holding a valid trade license
- Beauty and barber salons with scheduled staff cover
- Licensed skin, hair and nail service specialists
- Epilation and laser service centers holding the relevant permit, with express scheduling
- Bridal and makeup salons, for the scheduled related services
- Wedding and mobile hairdressing services, declared at issuance
What is covered?
| Coverage | Description |
|---|---|
| Injury during services | Compensation for bodily and financial damage from burns, cuts and other injuries during beauty services, where fault is proven. |
| Skin sensitivity and allergy | Cover for skin reactions to cosmetics and dyes, conditional on performing a patch test and observing the protocol as scheduled. |
| Instrument contamination and infection | Compensation for infection transmitted through failure to observe sterilization standards, where fault is proven. |
| Damage to clients' property | Cover for financial damage to clients' belongings, such as clothing and personal items, during the service. |
| Legal defense costs | Attorney fees and procedural costs in client claims and proceedings of the union and regulatory bodies. |
| Salon staff liability | The owner's vicarious liability for acts of dependent staff, within the scope of services scheduled in the policy. |
What is not covered? (Exclusions)
- Injection, botox and laser services without the permit and express scheduling in the policy
- Damage caused by expired or unauthorized materials
- Incidents occurring outside the policy period; the trigger is the incident date
- Loss where no patch test was performed for sensitizing materials, per the general conditions
- Activity without a valid trade license on the incident date
- Diyeh amounts subject to qisas and loss caused by intentional error
Issuance conditions
- A valid trade license on the date of the incident
- Compliance with hygiene and instrument sterilization standards, with records kept
- Accurate declaration of the service types — including laser and epilation — at issuance
- No undisclosed claims from previous policy periods
Required documents
- Trade license of the hairdressers' union
- National ID and identity documents
- Previous liability policy, for claims history and no-claims discount
- Permits for specialized services — laser, injection — where offered
- Identity documents of staff, where staff cover is scheduled
How to buy — step by step
Quotation and service declaration
Submit the quote request; the list of offered services is the basis of the proforma.
Documents and official proforma
After identity and professional documents are received, an official proforma invoice is issued on the approved Bimeh Iran tariffs.
Premium payment
Pay through the banking gateway or a bank receipt; cover starts the moment issuance is confirmed.
Policy delivery
The printed and electronic policy with its general conditions is delivered within one working day.
How to claim — step by step
Immediate notification
Report the incident to the agency as soon as you become aware of it; the policy sets a maximum notification period of five working days.
Claim form
Complete and sign the claim form describing the service, the incident date and the events.
Case documents
Submit the client's medical records, the sterilization and patch-test records and the parties' identity documents to the adjuster.
Loss assessment
The adjuster determines the degree of responsibility by examining the records and the required inquiries.
Agreement or judgment
Once responsibility is established, the compensation is calculated by agreement of the parties or by court judgment.
Payment with deductible
The recoverable loss is paid to the beneficiary after deduction of the policy deductible.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Beauty Salons Liability Insurance
Legal sources
Civil Liability Act of Iran (1960) — Articles 1 to 11 — fault-based civil liability
Islamic Penal Code — Diyat chapter — Book Five, Articles 449 to 503
General Conditions of Professional Liability Insurance (Bimeh Iran) — Central Insurance Regulation No. 57
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Beauty Salons Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.