Beauty insurance is designed to cover professional beauty technicians during the course of their work. It includes elements of liability insurance related to treatments you provide and can cover aspects of your business and equipment too.
If you have employees, it is a legal requirement for you to have employers' liability insurance in place at the very least. Legally, you are not required to have any other form of insurance in place, however, it is certainly recommended. Beauty insurance can provide a safety net to protect you and your business from the financial burden of a claim against you.
We can cover beauty therapists who work from home, from business premises, from a client’s home, at an event and many other scenarios. Speak with our team if you feel unsure about whether the policy covers your location.
There are three main parts to be aware of when buying beauticians' liability insurance; public liability, products liability and treatment liability. We’ll explain each of these in a little more detail below.
Public liability protects you from claims which arise through negligence on your part during the course of your work. For example, you may have left cables in a hazardous location where someone might trip; if a member of public injures themselves or has the property damaged because of this, they may try to claim damages from you. This insurance would cover your legal defence along with their compensation should they win the case.
Product liability cover will insure you in the event that a product you use or sell to clients causes a member of the public to suffer an injury or have their property damaged. In these instances, they may try and claim compensation from you, even if the product is not made by you. It’s important to therefore cover yourself just in case. Again, product liability for beauticians covers your legal defences and any damages you have to pay to the claimant if they win the case.
Treatment liability is a form of public liability cover especially for beauty therapists. It ensures that if you cause bodily injury or property damage to a customer whilst carrying out a treatment and they take you to court, your legal costs and awards claimed by the client are covered up to £1 million. You must follow the policy precautions and conditions relating to the treatments you carry out in order for a cover to be valid.
No, unfortunately we can only cover qualified beauticians on this policy, but we might be able to help you with our hairdressers insurance.
If you would prefer to spread the cost of your policy, you may have the option of setting up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To find out more about PCL and direct debit payments, select direct debit.
To understand more about how PCL works together with Towergate, please read our regulatory information.
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