What does beauty insurance cover?
Whether you are a mobile beautician working at client’s homes, your own home, or you work in salons and other premises; we can cover you. If you’re ever unsure if a particular location is covered, just call our beauty insurance team who will be happy to confirm this for you.
We cover either £5,000 or £10,000 of equipment when you’re on the move or when it’s stored securely on premises. Just familiarise yourself with what the terms are to ensure you’re doing everything you can to prevent theft.
We offer three policies each of which covers a different range of treatments; Nail and Spray Tan Technicians, Hair Stylists and Hairdressers or Beauticians and Therapists. As your career progresses you can add more treatments to your policy and if there’s something that’s not on the list just call the team and we’ll see what we can do. You can find the full range of treatments covered by each of our policies in the documents section below.
All three of our beauty insurance policies will cover you for public liability, products liability and provide professional treatment cover. That means if your client or a third party were too bring a valid case against you in an attempt to claim compensation, you could receive up to £3 million towards your legal defence plus any compensation due.
Covers you automatically for over 170 different treatments from acoustic wave treatment to hot and cold waxing.
Covers you across barbering, styling, colouring, curling, crimping and everything in between.
Includes nail treatments, make-up and spray tanning products and services.
Please be aware, adding optional extras to your policy will increase your premium.
If you're unsure which beauty insurance policy is best for you, call the team on 0344 892 1602 for guidance.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Just the same as you, we grow and care for our client base very carefully and this is why your well- being is paramount to us. Likewise we recognise that our customers are trading in a very competitive industry which is why we feel our expertise and understanding can provide a useful resource to you at this time. Our expert advisers are fully trained and experienced to provide a wide-range of support to help protect you, your business and your clients.
We are here ready for your telephone call to listen and guide you through any situation even if there has been no claim made against you. Our expert advisers are here to assist you to achieve the best outcome for you and your business therefore protecting your reputation.
If you find you need help with dealing with difficult customers, guidance on recording your client's information or assisting with drafting a response to a client's written or verbal complaint our expert advisers can help you.
In the event of a claim we act as a middle man, so we negotiate and liaise with the Insurer on your behalf to ensure the process is as quick and as painless as possible.
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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 clients 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 beautician’s liability insurance; public liability, products liability and professional treatments cover. 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 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 defence along with their compensation should they win the case.
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 defences and any damages you have to pay to the claimant if they win the case.
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 £3 million. We do require you to carry out treatments as the manufacturer has advised for this aspect of the cover to be valid.
It’s not a legal requirement to insure a salon unless you have employees but it’s most certainly recommended to have cover in place. You can find out more about salon insurance from our dedicated page.
Retroactive insurance provides cover for any claims made against you during your period of insurance which occurred prior to the start date of your policy.
No unfortunately we can only cover qualified beauticians on this policy but we might be able to help you with our hairdressers insurance.
We do not offer monthly direct debit payments on this policy.