Insurance for Hair & Beauty Services

Laser hair removal is a standard insurance exclusion. That means if you are performing laser hair removal, you will typically have to apply to have this activity specifically covered by your insurance.

Treatment risk refers to potential injuries, damages, or negative outcomes that can happen when providing hair and beauty services to clients. Generally speaking, treatment risks are covered by Professional and Public Liability policies, as long as the treatment is included in your policy. This is one reason why it’s important to select all treatments provided by your business when taking out or updating a policy

There are many types of insurance that hair & beauty services businesses may consider. Depending on your unique needs, you might want to consider:

• Professional Indemnity insurance helps protect your business if a client claims that you acted negligently while providing your services or giving professional advice.
• Public Liability insurance could help you manage third-party claims if slips, trips and mishaps are caused by your work activities, whether you work from your own salon or provide a mobile beauty service.
• A Business Insurance Pack can help you protect business assets such as portable equipment, supplies, and retail stock. It may also cover risks like broken glass and loss of revenue from business interruption.

Self-employed beauticians and beauty therapists may need business insurance for several reasons. If you work as a freelance beauty therapist that rents a chair in an established salon, Public Liability insurance may be required by the business owner as part of your contract. Similarly, commercial landlords may require Public Liability and /glass/Glass insurance (both available through a Business Insurance Package) to lease their premises.

Even if you are not required to have insurance, different types of cover could help you manage unexpected costs, such as replacing damaged equipment or stock, paying compensation to injured clients, or paying the bills if you are unable to work due to injury or serious illness.

Mobile beauty therapists may need business insurance to help them manage risks associated with working in client homes or third-party venues. Accidentally damaging someone else’s belongings or property, such as spilled makeup staining a rug, can happen to even the most careful beauty therapist. Public Liability insurance can cover compensation costs if an accidental injury or property damage occurs while you are working.

You may also consider cover such as Portable Equipment, Theft, and Contents (options available in Business Insurance Packages) to help protect the tools, equipment, and stock that you bring on each job.

Yes, cover is available for hair and beauty professionals who run a business from their home.

Some services and treatments are not covered by hair and beauty professional insurance, depending on the policy and insurer. Generally, we do not cover:
• Tattooing (other than cosmetic)
• Facial Threading
• Eye Lash Lifts
• Cosmetic Injectables