Insurance for Self-Employed Beauty Therapists
Compare UK Quotes from Specialist Brokers
Compare beauty therapist insurance quotes from specialist UK brokers. Public liability, treatment risk and equipment cover for self-employed, mobile and home-based therapists. One quick form, multiple quotes — no obligation.
Get Your Beauty Therapist Insurance Quotes
Compare quotes from specialist beauty insurance brokers
Quotes are provided by a panel of specialist insurance brokers. All providers are FCA regulated.
GET MULTIPLE QUOTES →Specialist cover for self-employed therapists
- Public and treatment liability from £1m to £10m
- Eyelash extensions, microblading insurance, waxing, facials and more
- Mobile, home-based and salon work all covered
- Equipment, stock and product protection
- Professional indemnity for treatment advice
- Annual policies with monthly payment options
Why Compare Insurance for Self-Employed Beauty Therapists?
Insurance for self-employed beauty therapists needs to keep pace with a growing market of new and trending treatments like eyelash extensions and microblading insurance. Being a self-employed entrepreneur takes lots of guile, self-belief, and knowledge on so many fronts, in terms of health and beauty, and business acumen.
A beauty therapist offers so many services and needs so many varying skills. But one thing you mustn’t overlook is obtaining top-notch insurance for self-employed beauty therapists at a fair price.
Self-Employed Beauty Therapist Insurance Cost
Premiums depend on the specific services you offer, your annual turnover, and the level of public liability you choose. MultiQuoteTime provides access to specialist brokers who quote for mobile and home-based therapists.
Low-Risk Treatments
Covers everyday services like waxing, manicures, and basic facials. Includes £1m to £2m public liability for a single therapist with a modest turnover.
Mixed Treatments
Covers more intensive styling like lash extensions, threading, spray tanning, and advanced facials. Includes £2m to £5m public and treatment liability cover.
Advanced Treatments
Covers high-precision work like microblading, semi-permanent makeup, microneedling, and lasers. Features up to £10m cover plus professional indemnity.
As a beauty therapist, you are continually working on other people, and the more clients and jobs you have, the more chance of something going wrong. Common reasons for a claim include burns from hot wax or laser treatments, and allergic reactions to chemical peels. 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. If you’re only working the odd event or booking rather than trading full-time, short-term public liability insurance may suit you better than a full annual policy. 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 Kinds of Beauty Therapy Insurance Are Available?
The three main types of policy are property insurance, liability insurance, and treatment risk coverage.
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
There are a few types of liability insurance 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, due to an injury at work or something you have done or failed to do that injured your staff member. 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, a customer tripping over a cable or equipment in your shop, for example. The third liability insurance type is for products. This one doesn’t cover claims that arise from something you’ve done wrong, it’s for products you sold that are defective. 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. Even a relatively minor claim can cost thousands of pounds, so it’s always important to ensure your policy has liability insurance.
Treatment Risk Coverage
Make sure treatment risk coverage is part of your UK insurance for beauty therapists plan. It protects you against a client or customer claim where the treatment itself caused an injury, an allergic reaction to a wax or chemical peel, or a burn from styling equipment, for example.
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.
What Does Insurance for Self-Employed Beauty Therapists Cover?
Insurance for self-employed beauty therapists is designed to protect against the specific risks associated with cosmetic and aesthetic treatments. A standard policy typically includes public liability, product liability, and treatment risk cover.
Your policy is designed to protect your business against claims involving:
- Adverse reactions to treatments. Skin rashes, chemical burns, or infections resulting from facials, body treatments, or chemical applications.
- Application errors. Eye irritation from lash adhesive, nail bed damage, or adverse reactions to tanning products.
- Accidental property damage. Damage to a client’s home or belongings while you are working on-site.
- Third-party injury. Slips, trips, or falls occurring during a treatment session.
Important
Insurance policies do not cover claims resulting from intentional harm, nor do they cover “dissatisfaction” claims where a client is simply unhappy with the final aesthetic result of a procedure.
Other Types of Insurance
Legal Expenses Insurance
Covers your costs if you become involved in legal action, separate from liability cover itself. Worth considering if you want certainty over legal fees regardless of how a claim plays out.
Personal Accident Insurance
Covers loss of income if you’re unable to work following an accident. Particularly relevant for self-employed and mobile therapists, who don’t have sick pay to fall back on.
Professional Beauty Insurance UK Comparison
While beauty therapy insurance is not a legal requirement, operating without it leaves your business personally exposed to the cost of claims. When comparing options, we recommend reviewing at least three quotes from reputable brokers. You can use our comparison tool to share your requirements with a panel of specialist UK brokers, select the button below to start your quote.
Self-Employed Beauty Therapist Insurance FAQs
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