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Treatment Risk Insurance
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If you run a hairdressers, spa or similar establishment in the beauty and wellness industry, having treatment risk insurance can help protect you against third party claims alleging injury or property damage as a result of your treatments. It can also offer cover for your business premises as well as damage and theft. Working in the beauty industry can be a rewarding job for many but dealing with the public comes with its risks. The more members of the public you work with the greater the chance of a liability claim, this is why it is strongly recommended that you take out the necessary liability insurance to cover yourself and staff.
Many beauty treatment businesses assume that public liability insurance is included in their treatment risk insurance as a standard however some policies may not include this. You should always check the policy details of any treatment risk insurance quote to ensure it is offering you all the coverage needed by your business.
What is hairdressers treatment risk?
Treatment risk insurance for hairdressers is designed to provide you with cover against compensation claims made against you when your standard business public liability insurance won’t cover you. These compensation claims can be as a result of damage to hair, clothing, skin or injury as a result of your professional services. Unfortunately in life accidents happen and even with all due diligence there can still be some unexpected issues to arise as a result of your services. Having treatment risk insurance is your peace of mind against the potentially costly claims that might ensue.