Beauty Insurance UK

Beauty Therapy Insurance, UK

As a beauty therapist, you are continually working on other people, and in some cases, certain things can go wrong. It’s the laws of averages. The more clients and jobs you have, the more chance of something going wrong. That might seem a negative outlook to have, but actually, it’s a smart and practical way of thinking. You need to be protected against any potential issues that could result in compensation claims. Let’s delve deeper into the world of beauty therapy insurance and why you need it today!

The main purpose of investing in cover is that it protects the beauty therapist’s business and its financial future. It’s all too common for clients to sue their beauty therapists for malpractice or negligence. The legal proceedings can lead the beauty therapist along a path of financial ruin. Some common reasons cited for claiming compensation include burns from hot wax and laser treatments, in addition to allergic reactions to chemical peels used on the client. The panel of brokers can offer cover for all salon types including nail technician insurance and tanning salons.

Do you cover all beauty therapists regardless of how they ply their service?

Yes, professional beauty insurance UK policies are constructed with the knowledge that beauticians provide their service in many ways. Some operate from a hired chair within a salon or hairdressing parlour, others are self-employed and operate mobile or call out service, while others set up stations at events. Common to all these approaches is the need to have cover for public liability and a good level of treatment risk cover. In addition, business equipment cover with stock as an option should be considered if the value to replace would represent a hardship.

What is UK Beauty Therapy Insurance?

A solid UK beauty therapy insurance plan should include treatment risk liability, product liability, and public liability cover. As a therapist, you’ll be covered against any customer complaints in regard to treatments that caused illness or injury. It will also cover accidental damages to your property. Although there is no legal requirement to have beauty therapy insurance, it will come in handy when you need it most.

Why Do I Need Beauty Therapy Insurance?

Do you perform some of the more invasive beauty treatments, such as eyelash extensions and microblading? How about hot wax and laser treatments? Do you own a tanning salon? Nail technicians and their services can also result in potential customer problems and issues. Malpractice cases can even happen where you might need to pay out massive compensation claims. If the beauty services you offer are edgy and could result in illness or injury if performed incorrectly, you should get UK beauty therapy insurance right away.

The main purpose of investing in coverage is that it protects the beauty therapist’s business and its financial future. It’s all too common for clients to sue their beauty therapists for malpractice or negligence. The legal proceedings can lead the beauty therapist along a path of financial ruin.

What Does UK Insurance for Beauty Therapy Cover?

Beauty therapist insurance cover is aimed at professionals that are self-employed and provide a beautician service. Cover for this would include public liability, cover for any claims as a result of the treatment provided by you or your staff.

The main types of professional beauty insurance UK policies that protect a beautician therapist include the categories of personal liability and professional liability coverage. These combine to financially protect the professional when they visit a client or a client visits them.

Cover for a beauty therapist is very important since this is the professional that applies the small details to enhance the appearance of their clients who in most instances are very picky. 

What Kinds of Beauty Therapy Insurance Are Available?

Understanding what you are protected against is important. But it’s even more important to understand the kinds of beauty therapy insurance policies are available across the board. The three main types of policy are property insurance, liability insurance, and treatment risk coverage. Let’s take an in-depth look into these policies and what they entail.

Property Insurance

This insurance type is geared to protecting your business against any damaged or stolen property. You’ll be covered if you actually own the premises as opposed to renting them. And that’s because this policy covers fixtures and fittings and other contents such as stock or business equipment. If your beauty therapy business takes you on the road as a freelancer, check to see if the policy will cover any of the property you take with you on the job.

Liability Insurance

This is where it can get complicated. There are a few types of liability insurance that are routinely attached to beauty therapist policies. The first one is employer's liability insurance that will cover you if an employee makes a claim against you for one reason or another. This could be due to an injury at work or something you have done or failed to do that injured your staff member. However, if you do have employees, you’ll be legally required to have some kind of liability insurance.

The next type is public liability insurance that covers claims made by people who are not your employees that have been injured due to your services or for any damage to their property. The third liability insurance type is for products. But this one doesn’t cover claims that arise from something you’ve done wrong. It’s for products you sold that are defects. These types of policies cover legal costs incurred, compensation awards, and any other costs related to these issues.

Compensation claims can sometimes cost in excess of £250,000 to settle. It’s a serious business that can literally bankrupt your company. Even a relatively minor claim can cost thousands of pounds, and you don’t want to be left holding the bag alone. It’s always important to ensure your policy has liability insurance. 

Treatment Risk Coverage

You might want to think about replacing a standard business insurance policy with treatment risk coverage. You should at least make sure it’s part of your UK insurance for beauty therapists plan. Treatment risk cover will protect you against a client or customer claims tripping over a cable or something in your shop that results in an injury. 

It will also protect you against a customer claim with regard to being injured from a treatment or service you’ve provided. Did you know that facial scarring claims can reach £50,000 or beyond? And if your client needs private cosmetic surgery to fix the issues you caused, it can get even more expensive. Make sure your policy has treatment risk coverage.

Each business will normally have slightly differing cover needs. For example, if you have invested heavily in beauty equipment and tools in which you rely on when you provide a mobile service, taking out business cover that includes equipment and stock would be wise. Should you need to employ staff even on a temporary basis, you must by law take out employers liability cover.

Other Types of Insurance

There are other insurance types you might need, depending on the issues that can arise. For example, beauty professionals should seriously consider getting legal expenses insurance. If you become involved in legal action, you want to make sure that your costs are covered. Personal accident insurance might be another policy you need to consider. This will cover you in the event of an accident that causes loss of income.

Should I Buy UK Insurance for Beauty Therapists?

Each business will normally have slightly different coverage needs. For example, if you have invested heavily in beauty equipment and tools in which you rely on when you provide a mobile service, taking out business cover that includes equipment and stock would be wise. Should you need to employ staff even temporarily, you must by law take out the employer’s liability cover. It all depends on your individual needs as a beauty therapist.

If you are currently not covered, and you are performing all manner of beauty therapy treatments, it’s a ticking time bomb ready to blow. You might be a great therapist, but at some point, something can go wrong. Make sure you get reliable UK insurance for beauty therapists to give you, and your customers, that special peace of mind.

Professional beauty insurance UK comparison

If you are in the process of checking the costs for beauty therapist insurance UK, it would be wise to compare at least three quotes from reputable brokers. We help at this stage by sharing your requirements with a panel of UK professional beauty insurance brokers. Select the green button below and enter your details once to start receiving multiple quotes.