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An expert guide to beautician insurance
Finding the right insurance as a beautician can be a confusing task. You want to be focussed on looking after your clients, pampering them and making them feel their best. Finding the time to think about beautician’s insurance is not always top of the list, but it could be a lifesaver if you ever need to make a claim.
Why get beautician insurance?
Imagine you’re performing a treatment and something goes wrong. It could be that a client has an adverse reaction, or something completely beyond your control like a fire. Insurance means that you are financially protected. Depending on the type of cover, this will be protection if someone makes a claim against you, or, if you suffer some sort of loss and need to make a claim yourself.
Who needs beautician insurance?
The term beautician covers a wide range of treatments. If you perform any of the following treatments, you should consider a specialist beauty insurance policy:
- Spray tanning
- Eyelash extensions
- Makeup artist
- Massage therapist
- Nail technician
What type of insurance cover do beauticians need?
As a beautician, you should make sure your policy covers the treatments you offer, in case something goes wrong.
Beauty treatment risk insurance will protect you if a client makes a claim as a result of a treatment. If you are ordered by a court to pay compensation, for example if hot wax caused a burn to your client, then this type of policy would cover the cost.
Public liability insurance is also a good idea for beauticians. This covers all claims by third parties, even if an accident happens not related to a treatment you perform. So if you spill product on your clients’ clothes and they need professional cleaning, or a client slips and falls over your equipment, you will not have to pay out yourself.
Employers’ liability cover is only needed if you run a beauty business which employs staff. This type of cover protects you if a staff member or trainee brings a claim against you, and is required by law.
What additional types of cover are available for beauticians?
If you own your own beauty salon premises, you might also need to consider additional cover for your building.
Stock and equipment insurance will cover your costs if your equipment is stolen or damaged accidentally and needs to be replaced.
Legal expenses cover is available if you want added peace of mind that you will not have to pay legal fees to defend any claim against you.
Products liability cover is a good idea if your beauty salon also sells products as part of an aftercare package. The policy will cover any issues arising from faulty or damaged products.
Does mobile beautician insurance differ from standard policies?
If you work as a mobile beautician, you should still make sure you have liability cover in place. Accidents can happen whether you work in a salon or in your own home (or client’s homes), so it makes sense to be completely covered.