An insurance policy intended for businesses not only reduces the risks associated with the company or business, but also accidents and unforeseen circumstances. Having an insurance cover is one of the most necessary precautions that helps businesses save time, stress, as well cover legal expenses and compensation to third parties. The types of treatments that could be covered include hairdressing, manicure and pedicure, waxing/threading, laser hair removal, laser scar and stretch marks removal, nail and eyelash extensions, body wraps, piercings, spray tan, mesotherapy, microdermabrasion and permanent makeup, massages and other beauty treatments. We outline the types of insurance, their purpose and what you need to pay attention to when looking for a policy:

• Professional Indemnity Insurance. Whether you are working from your salon, from home, visiting clients or renting space in the salon, you need professional liability insurance to protect yourself and your business from any potential claims. Potential claims for your clients or third parties covered by this type of insurance can relate to beauty procedures provided, materials used, quality of equipment, or consequences of some procedures. For example, where you provide a laser hair removal procedure and your client’s skin is covered with blisters which do not heal properly, your client may make a claim against you. Professional Indemnity Insurance will cover the cost of legal claim, legal expenses and possible compensation to the suffered client.

• Employer’s liability insurance. If people work for you, even on a temporary basis or without payment as volunteers, then by law you are obliged to have an insurance cover for your employees in case they fall ill or get injured while at work. The consequences of such complaints from employees can be serious, and this type of insurance cover can help avoid unnecessary stress and financial consequences.

• Public liability insurance. This insurance is compulsory for salons and professionals as it covers damages to third parties and their property. Public liability insurance will save you in case of complaints about the procedures themselves or their consequences, as well as accidental injuries received during a client’s visit to the salon or your visit to a client’s property, such as falls, bruises, burns, etc. It is possible to damage third party’s property for example, when visiting clients in their home and you accidentally spill hot wax on their carpet. Another example would be where you burn a client’s blouse with a hair iron or unintentionally forget to turn off the water tap/a water tap broke in one of the salons’ sinks and this flooded your neighbours. Public liability insurance can help pay for outstanding expenses and compensation to third parties.

There are many other types of insurance that cover damage to salon building, its contents, furniture, equipment, materials used and even a loss of profit. For advice or assistance in finding the most relevant insurance pack, ask us for help by emailing to [email protected] or WhatsApp us on 07904 728379.