Health and Beauty Insurance

Tailored insurance for health, beauty and holistic care professionals including nail technicians, spray-tan operatives and hair stylists

Whether you practice from your own home, your clients' home, in a treatment room or on the go, we have a range of policies that offer the right level of cover for the services you provide.  As you grow your business, our cover offers the flexibility to grow with you, ensuring you're always protected

0344 892 1602
01622 607340 Weekdays 9am - 5pm
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Features

Health and beauty features

  • We don't require registration with any associations or guilds which means you can avoid registration fees and still gain professional insurance

  • Automatic cover whether you work from home, on your clients premises, in a hired treatment room, at an event or anywhere else inside the UK, Channel Isles and the Isle of Man

  • £3,000,000 indemnity limit for public liability, products and treatment

  • Case studies cover - for extra cover during training in new practices

  • Dissatisfaction cover - protection where a claim is pursued against you when the client is dissatisfied with your service yet no injury has been caused.

  • Retroactive cover - for any claim made against you during your period of insurance which occurred 3 years prior to the start date of your policy.

  • Easy options to extend cover as your business grows as many treatments are included as standard. You can also amend cover for a little as £8 for example if you have hair cover and wish to upgrade to beauty cover.

    Choose from three different policies

    • Beauty cover (includes nail/spray tan and hair covers)
      One policy covers you automatically for over 170 different treatments from acoustic wave treatment to hot and cold waxing.

    • Nail and spray tan technician cover
      Includes nail treatments, make-up and spray tanning products and services.

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

Policy extensions

  • Property/equipment - £5000

  • Public Liability increased limit to £5,000,000

  • Nose piercing and ear piercing of cartilaginous part of the ear (agreed systems only)

  • Thermo auricular therapy (Hopi ear candles)

  • IPL (Intense Pulsed Light) Hair Removal

  • Microdermabrasion/skin rejuvenation by use of IPL and laser systems and inch loss by laser lipo system

  • Red veins, skin tags, milia warts, moles and spider naevi treatments by IPL, electrolysis and laser systems

  • Sclerotherapy by Hypodermic Injection, Mesotherapy by use of injection

  • Sports massage

  • Micropigmentation

  • Advanced micropigmentation

  • Micro needling

  • Advanced cosmetic procedures

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Exclusions

Health and beauty exclusions

  • Treatments

    • Laser hair removal

    • Tattoo removal

    • Smart Lipo

    • Teeth whitening

    • Botox

    • Dermal Fillers

  • Treatments carried out on cruise ships or outside of the UK, the Isle of Man and the Channel Islands

  • Relevant certificates and or qualifications must be held for the covered treatment

  • All open-blade razors or needles used must be brand new or thoroughly sterilised

  • Treatments must be carried out in accordance with manufacturer's instructions

  • A patch test must be performed each time an eyelash and eyebrow tint is carried out 24 hours before treatment

  • There must be no more than two sunbeds within the salon

  • Personal property and tools of the trade (unless Property/Equipment extension taken out)

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

FAQs

Health and beauty FAQs

I'm not sure which policy I need?

You can view the entire list of treatments we cover and decide which policy is the right one for you. Don't forget that with the 'Beauty' policy all the treatments are included (including that in Nail/Spray Tan and Hair). If you are unsure simple give us a call, our expert advisors will happily explain exactly what you need.

I have recently qualified in a new treatment not covered in my nails only policy. Do I need to also take out the Beauty policy?

We understand that professional development is very important for you to grow your business so we have strongly focused on making it as easy and cheap as possible for you to stay adequately covered. Just give us a call at any point during your policy life. Our advisors will be able to let you if you are already covered for your new services or if you need to upgrade.

Other insurance requires membership of an association?

We are not affiliated with any associations, guilds or other official organisations, thus the insurance premium is all you need to pay. This does not affect the level of quality or service we provide.

What qualifications do you accept?

We accept any qualification that provides you the legal right to practice your trade in the UK. You do not need to submit copies of your qualification certificates unless there is a claim that has been made against you.

Does my policy automatically renew each time?

We have found that automatic renewal is not the best practice for our customers so we don't do this, we will however, send you a reminder around a month before the policy is up to make sure you don't go un-covered!

Are my tools, equipment and stock covered?

These variables differ greatly from one service or practitioner to another and for some it is not even cost effective to insure their kit. This being so, we have simple add-ons to include this but it is not in our standard policy.

What is 'dissatisfaction cover'?

We provide cover to protect you when a client makes a claim against you where they are dissatisfied with the outcome of their treatment but no injury has been caused. This cover will assist in dealing with the complaint against you and pay-out for costs involved.

What is 'case study cover'?

While you are training for additional treatments and carrying out your case studies on members of the public our policies will cover you for these studies.

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.

Claims

Health and beauty claims promise

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 advisors 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 advisors 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 advisors 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.

Documents

Health and beauty insurance policy documents

Policy Wording [pdf, 1498 KB] Covers List [pdf, 403 KB]
0344 892 1602
01622 607340 Weekdays 9am - 5pm
Get a quote Request a callback

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