Laser Hair Removal and IPL Insurance
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What is laser hair removal and IPL insurance?
Laser hair removal is a fast-growing beauty treatment for removing unwanted hair. It’s sometimes referred to as IPL treatment, or Intense Pulsed Light hair removal, and is available for both men and women. Getting the right insurance to cover your business if you offer laser hair removal is vital, as if something goes wrong the results can be serious.
How does laser hair removal work?
Laser hair removal uses an Intense Pulsed Light laser beam, which destroys the hair follicle below the skin. Clients usually complete a course of treatments, resulting in almost permanent hair removal.
What else is IPL used for?
IPL has a range of applications beyond hair removal. Many therapists also offer IPL for:
- Tattoo removal
- Thread vein treatment
- Light therapy
- Acne treatment
Why do I need insurance for laser hair removal?
Because the laser beam passes through the skin, the risk of adverse side effects for clients can be high. Even when the treatment is performed correctly, the client may develop skin reactions like rashes, burn, crusting or even permanent scarring or discolouration.
If a client brings a claim for compensation against your business, you could be liable for costly damages payments. Having the right insurance is important to protect your business, and give you the reassurance that even if something goes wrong, you will not be financially compromised.
What type of cover is best for laser hair removal and IPL treatments?
Whether you’re working as a mobile beautician or are salon based, you’ll need to make sure you have the right liability cover if you offer laser hair removal treatments.
This protects you if someone is accidentally injured whilst in your care. This could be something as simple as a client tripping over your doorstep or banging into your therapy table and injuring themselves. If they bring a claim for compensation, public liability insurance will cover these costs.
Because of the very real risk of permanent damage to clients as a result of IPL therapy, you should make sure you are protected with treatment liability insurance. This type of cover will pay out if a client claims damages as a result of a treatment which has gone wrong.
Depending on your personal circumstances, you may also need to consider insuring other aspects of your laser hair removal business too:
Employers’ liability insurance – As well as making sure all staff are fully trained in laser hair removal, you’ll need to have employers’ liability cover in place by law if you have any staff members. This covers you if an employee brings a claim against you, for example, if they have an accident in the workplace.
IPL Equipment cover – the cost of replacing your IPL equipment if it is accidentally damaged or stolen could ruin your business, so many therapists choose additional equipment cover, for peace of mind.
Products liability – this covers claims arising from faulty or damaged products. If you sell products to clients for aftercare, for example, you might need additional protection in case they cause an allergic reaction and a client brings a claim.