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Beauty Therapist Insurance

Beauty therapist insurance to cover a wide range of treatments.

  • Select from 3 types of cover with £5m in indemnity as standard
  • 24 hour legal advice number for all policy holders
  • Annual cover from just £59.75* for a range of different treatments, including microdermabrasion and spray tanning
  • + £7.50 admin fee*

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0344 892 1602
0344 892 1602

Weekdays 8.30am – 5.30pm
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What does Beauty Therapist Insurance cover?

Compensation claims covered

There is no cap on how much a compensation claim can be in the UK. This means a claim could be hundreds of thousands, even millions of pounds. Your policy can protect you against claims for compensation.

24 hour helpline service

Our beauty therapist insurance gives you access to a 24 hour helpline which can provide instant impartial advice in the instance of a potential claim against you.

All-round cover

Our liability package which also includes: public liability, employers’ liability, products liability and libel and slander cover. With our package, you can be sure that your business is covered.

Cover for a range of treatments

Our policy includes cover for many different beauty therapy treatments, including skin care, waxing, spray tanning and microdermabrasion. You can find the full list of treatments here

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.
Select the option that suits your business

Beauty cover

Covers you automatically for over 170 different treatments from acoustic wave treatment to hot and cold waxing.

Annual cover from £59.75 (plus £7.50 admin fee)

Hair cover

Covers you across barbering, styling, colouring, curling, crimping and everything in between.

Annual cover from £49.62 (plus £7.50 admin fee)

Nail and spray tan technician cover

Includes nail treatments, make-up and spray tanning products and services.

Annual cover from £46.23 (plus £7.50 admin fee)

There may be some minor variances to the advertised price, due to the IPT calculation on the premiums for the selected policies. All amounts due, will be disclosed to you before you proceed.

If you're unsure which beauty therapist insurance policy is best for you, call the team on 0344 892 1602 for guidance.

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Beauty Therapist Insurance FAQs

What activities/treatments do you cover under this beauty therapist policy?

Our policy includes cover for a wide range of beauty therapy treatments, including facial and skin care, waxing, spray tanning, makeup application, manicure & pedicure (including gel acrylics), body massage, microdermabrasion and electrical treatments.

Are there any activities you are unable to cover?

We are only able to provide cover for cosmetic treatments including tinting, dyeing and bleaching if a relevant skin test has been carried out beforehand. We are unable to cover treatments that include needles, lasers or any other high risk procedures. Talk to us about the full list of the treatments you provide, and we can advise you of any that we are not able to cover.

Do I need to be qualified to a certain level?

In order to be eligible to claim under our policy, you must be qualified to at least a NVQ Level 2 (or equivalent) in the treatments you are providing. In addition to this;

  • You have previous experience in the area you are developing
  • You have performed a patch test on your clients where applicable
  • Your tutor must hold a minimum of NVQ Level 3 (or equivalent) and one level higher than those they are demonstrating to
  • Your tutor must hold an assessors award
  • There is an examination/assessment on the course
  • The policy has no previous losses relating to treatments
How much cover do you recommend I take out?

Our advice is always to take out the maximum level of cover you can reasonably afford. We provide a range of indemnity limits upon referral but £5 million in indemnity as standard.

What is Beautician’s Liability Insurance?

There are three main parts to be aware of when buying beautician’s liability insurance; public liability, products liability and professional treatments cover. We’ll explain each of these in a little more detail below.

What is public liability for beauticians?

Public liability protects you from claims which arise through negligence on your part during the course of you 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 you legal defense along with their compensation should they win the case.

What is products liability insurance for beauticians?

Products liability cover will insure you in the event a product you use or sell to clients causes a member of the public to suffer an injury or have their property damage. 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 defenses and any damages you have to pay to the claimant if they win the case.

What is professional treatment cover?

Professional treatment cover is a form of professional indemnity cover especially for beauty therapists. It ensures that if a client isn’t satisfied with advice you have given them regarding their treatments an takes you to court, your legal costs and awards claimed by the client if they win the case are covered up to £5 million. We do require you to carry out treatments as the manufacturer has advised for this aspect of the cover to be valid.

Can I pay in instalments?

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). Please note that this is only available on our salon policies and not to individuals.

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.

Where can I find more information about monthly direct debit?

If you want to know more about our monthly payment option, please read our dedicated page on direct debit.

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