Beauty therapist
insurance
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Insure your beauty therapy business for liability with zero hassle
As a beauty therapist, you are responsible for working directly with clients, using a range of products, tools, and equipment, delivering treatments that carry potential health risks, and managing liabilities related to the public and possibly employees, all of which require insurance cover.
In partnership with some of the leading UK insurers, we’ll not only get you a better beauty therapist insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a beauty therapist.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a beauty therapist liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is beauty therapist insurance?
Beauty therapist insurance is a public liability policy designed to protect professionals in the beauty industry from claims made by clients who experience injury or property damage during treatments. This cover allows beauty therapists to focus on their work, knowing they are financially protected.
It provides protection for various situations where a beauty therapist could be held legally responsible for harm or damage.
Key areas of cover typically include injury to clients, damage to client property, legal expenses, and compensation claims.
Public liability insurance is crucial to beauty therapist companies for several reasons:
- Business reputation: Having insurance demonstrates professionalism and responsibility, helping beauty therapists earn client trust and establish credibility.
- Financial protection: Accidents, like a client experiencing an adverse reaction to a treatment, can lead to costly claims. Public liability insurance ensures you’re protected from these financial risks.
- Client Requirements: While not legally mandatory in the UK, many clients or salon partners may require you to have public liability insurance before working together.
The benefits of a beauty therapist insurance policy
Personal injury claims
Your insurance protects you if a client is injured during a treatment, such as experiencing an adverse reaction to a product or equipment.
Damage to property
Your policy covers the costs if your equipment or treatments accidentally damage a client’s property, such as spilling products on expensive furniture.
Legal protection
Your insurance helps with legal expenses if you need to defend against claims made by clients or other third parties, regardless of fault.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does beauty therapist insurance cost?
This depends on the nature and size of your beauty therapy business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
The amount you choose affects your cost. Standard policies start at £1 million, but you can opt for higher limits, like £5 million.
Nature of business
High-risk treatments like chemical peels or micro-needling may lead to higher costs compared to lower-risk services.
Location
Where you or your salon operates can also influence premiums, with urban and high-crime areas often incurring higher costs.
Business size and turnover
A beauty business with a higher turnover may face higher insurance costs.
Number of employees
Employing additional therapists or assistants can increase premiums due to the added risks.
Claims history
A history of claims could raise your premiums, while a clean record might secure lower rates.
Ready to start saving on your beauty therapist insurance?
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