Beauty Therapist Insurance Quote

What is beauty therapist insurance?

As a beauty therapist, you get up close and personal with your clients. Facials, hair removal, and even ear piercings – each a delicate process, with big risks attached if they go wrong.

We all know that accidents happen. But when those accidents are related to a person’s body and appearance, they can cause a lot of distress and upset. That is why you might want to consider taking out a beauty therapist insurance policy. Not only to product you, your business and your employees, but to make sure your clients are looked after as well.

Most beauty therapist insurance policies will have public liability insurance and professional treatment liability insurance at their core.

Public liability insurance is designed to cover injury or property damage to clients, visitors and members of the public that has occurred during the course of your work, which isn’t directly related to the treatments you are carrying out.

If injury or illness is caused by one of your treatments, on the other hand, any compensation and legal fees that arose would be covered by your professional treatment liability insurance.

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Another important element of beauty therapist insurance is product liability insurance. If you supply and sell any products – even if you didn’t originally manufacture the product – this can cover you in the event of injury, illness or property damage caused by the product itself.

If you are an employer, meanwhile, you are legally required to take out an employers’ liability insurance policy worth up to £5 million. This is unless your employees are exclusively members of your family or are based abroad. This will cover you if an employee were to suffer an injury or illness due to the work they carry out for you.

Beyond these core policies, there are a number of other options you might want to consider. Tool insurance can cover replacing the specialist equipment you use for your job in the event of theft or accidental damage.

If you are a salon owner, you could take out a business buildings and contents insurance policy, which will cover accidental and criminal damage costs related to both the salon building, and its contents, including stock.

Meanwhile, if you are a mobile beauty therapist, you may find you need business car insurance to be properly insured on the road. And to make sure your equipment is protected, you could look into portable equipment insurance.

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Do beauty therapists need business insurance?

There is only one form of insurance legally required by beauty therapists: employers’ liability insurance. If you have even only one person working with you – and they aren’t a member of your family, or work abroad – the UK government states you need an employers’ liability insurance policy worth at least £5 million from an authorised insurer.

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However, there is a very big difference between what is legally required and what is professionally recommended when it comes to beauty therapist insurance.

Say a client has an allergic reaction to the make-up you have used. Or a poorly executed ear piercing causes an infection. Professional treatment liability insurance would cover their compensation costs, and any legal fees that you have to pay during the claim, if it were successful.

If a client slips over and injures themselves due to the floor of your salon being wet, meanwhile, public liability insurance would cover the associated costs. It would also kick in if you accidentally spilled a tub of beauty cream on to your client’s expensive handbag and they made a claim

Similarly, if your client takes that tub of cream home, and then comes out in a rash after its application, product liability insurance would be there in case they made a claim against your business.

And it’s not just your clients you need to think of. If your electrolysis machine was damaged in an electrical fire, tools and equipment insurance would help pay for it to be replaced.

If there was a flood at your salon, business buildings and content insurance can cover the costs of repairs and replacing stock.

Or, if you are a mobile beauty therapist, and your work laptop is stolen from your car while you are inside a client’s house, portable equipment insurance would pay for you to replace it.