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Beauty insurance – compare cheap liability insurance policies for beauty therapists
Mobile beauty therapists often play a key role in helping brides look and feel wonderful on their big day… but if a customer has an allergic reaction to your makeup or is injured by your equipment you could be hit with a hefty liability claim.
And it’s not just brides, of course – partygoers, prom queens and domestic goddesses often call in the beauty therapy calvary when they need to look their best – but if something goes wrong and they hold you responsible you could face hefty legal fees and compensation claims unless you have a suitable beauty insurance policy in place at the time of the incident.
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What is beauty insurance?
It’s a type of public liability insurance that is designed to protect beauticians and beauty therapists from the risk of liability claims.
Whether you’re a mobile beauty therapist who travels to your customers’ homes or hotel rooms in order to provide your services, or you own a beauty salon where your customers visit you, beauty public liability insurance can help to cover the legal fees and compensation pay-outs if you’re ever sued for damages and the courts determine that you are liable.
What sort of risks does beautician insurance cover me against?
As a public liability insurance policy, beauty insurance covers you against the risk of liability claims brought by members of the public, which includes your own customers, visitors to your premises and other passersby.
So if one of your customers suffered skin damage due to an allergic reaction to your cosmetics this type of policy could cover you against any resulting liability claim.
Or if a visitor to your beauty salon slipped on a wet floor and broke their arm then beauty insurance could help you with any legal fees or compensation claims that might arise.
So beauty therapist insurance does cover me if one of my own employee’s sues me?
No, as a public liability insurance policy beauty therapist insurance is intended to protect you against claims brought by members of the public, and your own employees don’t fall into that category.
However, it is possible to bundle employers’ liability insurance with your policy when you’re taking out beauty therapist insurance, which would cover you if one of your own employees took you to court.
In fact, if you do employ staff employers’ liability insurance is a legal requirement in the UK.
Is public liability insurance for beauty therapists a legal requirement too?
No, unlike employers’ liability, public liability insurance isn’t legally required in the UK no matter what you do for a living. However, it’s certainly worth considering if you are a self-employed beauty therapist or you own a small beauty salon, because policies can sometimes be surprisingly cheap.
How much does face beauty therapist insurance cost?
Insurance providers use a lot of different variables when they’re calculating their public liability insurance premiums, and each provider will also give each variable a slightly different weighting.
Many of those variables are also specific to each individual policyholder, which means it’s difficult to know how much you might have to pay until you compare real quotes. For instance, your location, the amount of beauty liability cover you would like to take out, whether or not you’ve claimed on a public liability insurance policy in the past and whether or not you’d like to bundle any other add-ons with your beauty insurance policy will all affect the premiums you’re quoted.
The best plan is to use Quotezone.co.uk’s insurance comparison service to compare quotes for beauty liability insurance from a range of different providers, and then go with the one that offers the best policy at the most competitive price.
Should I add product liability insurance to my beauty insurance policy?
That depends on whether or not you sell cosmetics or other beauty products to your customers when you’re providing your beauty therapy services.
Many beauticians and beauty salons do sell products alongside their services, though, in which case it might be a good idea to add product liability insurance to your beauty insurance policy. This add-on can help protect you if one of your products is faulty or contaminated with harmful chemicals and you’re sued by the customer you sold it to.