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What is beauty insurance?
Offering beauty treatments, either in a salon or mobile, is a sure-fire way to get your clients looking and feeling great. Beauty therapists are all about making people feel good, inside and out. While pampering treatments are usually a lovely treat, unfortunately, beauty therapists must be prepared with the right insurance if something goes wrong with a treatment.
If a client has an allergic reaction or is hurt or injured during treatment, you could be left significantly out of pocket. So, whether you work as a make-up artist, masseuse, mobile nail technician or spray tanner, choosing the right beauty insurance will give full peace of mind, for you AND your clients too.
Who needs beauty insurance?
Beauty insurance policies are available for anyone working as a beauty therapist. Policies cover both mobile beauty technicians, who may visit clients in their own homes, and also freelance beauticians working in salons.
If your work involves any of the following, beauty insurance is a good idea for you:
- Nail technician
- Spray tan artist
- Mobile makeup artist
- Qualified massage therapist
- Salon owner
- Waxing specialist
- Eyelash extension technician
- Hair extensions
Why choose professional beauty insurance?
Working as a professional beauty therapist, you’ll want to offer your clients the highest levels of service. This means being fully prepared should the worst happen, and an accident occurs.
Even freelance beauty technicians should make sure they’re covered by the right insurance. It doesn’t matter whether you’re working in someone’s home, or in a salon, a client has an allergic reaction, or you have an accident meaning you can’t work, you could be held liable.
Professional beauty insurance for self-employed beauticians
Self-employed beauticians often work on a mobile basis, visiting clients in their own homes. There’s always the risk that you might accidentally damage their property whilst carrying out your treatment, so it makes sense to have insurance cover in place.
Even if you operate from a room in your own home, or rent a salon chair, having insurance will protect you in case a treatment goes wrong, or someone is hurt on your premises, or by a product you supply.
What type of cover do I need?
All businesses come with specific risks. However, there are a few main types of policy which cover the most common risks for beauty businesses.
- Beauty treatment liability insurance
Liability insurance is there to protect you if a client brings a claim against you if a service or treatment you carry out causes them harm. For example, if a client has an allergic reaction to a product you use on their skin, they could claim compensation. Beauty liability insurance will pay out for your legal fees, and cover any court-ordered compensation.
- Beauty product liability insurance
It’s likely that as a beautician, you will use a range of different products from third party suppliers or manufacturers. If a product turns out to be faulty, causing damage or injury to you or a client, this type of insurance covers you. For example, if a product you sell has faulty packaging causing the product to leak and damage a client’s property, you are protected.
- Public liability insurance
Public liability insurance is a good idea for any business owner whether mobile or salon based. It covers claims made against you by members of the public, which may be unrelated to any treatments you carry out.
For example, if a heavy item fell from a shelf in your salon and hurt someone, or they tripped over your equipment and were injured, they could be entitled to claim against you. Public liability cover is available up to £2million, £5million and £10million. Your insurer will be able to advise the right level of cover for your business depending on your circumstances.
What other types are available?
As well as the basic covered outlined above, you might want to consider additional protection for your business.
Beauty Business Equipment cover – Replacing your equipment can be an expensive business, for example, massage tables, electrical equipment, tanning beds, driers. Beauty equipment cover will pay out if your items are damaged or stolen.
Employers’ Liability insurance – if you employ any staff in your beauty business, even if on a part-time basis, you are required by law to have employer’s liability cover. This protects you and your staff in the event of a claim.
What does beauty insurance cost?
The exact cost of your beauty insurance policy will depend on a range of factors. No two businesses are exactly the same, so it’s important to make sure you are only paying for the cover you need.
How to save money on beauty insurance?
Making sure your business is protected might seem like just another cost to consider, but it could save you a huge amount of money in the long term if you have to make or defend a claim. There are a few ways to ensure you get the best deal on your beauty insurance policy though:
- Compare quotes from at least three different insurers
- Reduce the excess on your policy. This is the amount you will pay upfront if you have to make a claim. Agreeing a higher excess could reduce the monthly cost of your premiums
- Pay annually. Many insurers will offer a discounted rate if you are able to settle the whole year’s policy cost upfront, rather than paying monthly.
Is public liability insurance required by law for beauticians?
No. You don’t have to take out public liability cover as a beauty therapist. However, without it, you will be personally liable to settle a claim if a client is injured while you are working, which could leave you with a very large bill!
If I provide new treatments, will the cost of my insurance go up?
Check with your insurer directly on what treatments you are covered for. If you need to make a claim for a treatment which is not specified on your policy, you might not be covered.
I have a trainee beautician working with me, do I need employer’s liability cover?
Yes. If you have any staff members in your beauty business, including juniors, trainees, students or volunteers, you will need employers’ liability cover.