What is Covered by Beauty Therapist Insurance?
You may offer a wide range of treatments as a beauty therapist, from nails and eyebrow tinting to massage and waxing. The core elements of a comprehensive policy should provide you with an appropriate level of protection no matter how many treatments and therapies you offer.
Public liability insurance for beauty therapists is at the heart of a therapist's insurance because this is the cover you will call upon should a client or member of the public make a claim against you or your business for injury or damage to their person or property. This will cover the cost of defending a claim should you be taken to court, and it will deal with any compensation you are found liable to pay.
Treatment liability cover is used to handle claims pertaining to injuries or illness that a member of the public claims resulted from one of your treatments - for example, skin irritation, burns, adverse reactions or musculoskeletal injuries resulting from manual beauty treatment. You can set the level of cover to meet the degree of risk associated with the treatments you perform. A beautician who does nails and make-up may need a lower level of cover than one who performs chemical peels and electrical or laser treatments.
If you sell products to your clients for them to use at home, you might like to include product liability cover. This will deal with any claims for adverse reactions or damage linked to the items you sell - whether you stock them within a salon or sell them as a mobile beautician.
Equipment, tools and stock cover can help guard against losses from theft or damage, and if you own or lease a salon, you may choose to protect your fixtures and fittings with contents cover.
If you employ staff members, even part-time, by law, you must add at least £5 million of employer's liability cover to your policy.