Beauty Therapist Insurance

Specialist Business Insurance for Beauty Therapists

Beauty therapists offer a wide range of treatments, often working closely with clients and using specialist products and equipment. Beauty therapist insurance can help provide financial protection against accidents, injuries, treatment-related claims, and business interruptions.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Beauty Therapist Insurance?

Access to leading UK insurers specialising in beauty industry cover
Quick and easy quote comparisons tailored to beauty therapists
Flexible cover options for self-employed, mobile, and salon-based professionals
Experienced brokers who understand the beauty therapy industry
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What Is Beauty Therapist Insurance?

Beauty therapist insurance is a tailored type of business insurance designed to help protect beauty therapists from the risks associated with offering treatments, using products, handling equipment, and working in close contact with clients. Whether you work from a salon, your home, or offer mobile beauty services, this insurance can offer protection against claims, injuries, and unforeseen losses.

Who May Need Beauty Therapist Insurance?

Beauty therapist insurance can be suitable for:

  • Self-employed beauty therapists
  • Salon-based beauty therapists
  • Mobile beauty therapists visiting client homes
  • Freelance beauty professionals renting salon space
  • Beauty therapists specialising in treatments such as facials, waxing, tanning, and massage
  • Beauty therapists offering advanced treatments requiring specialist cover

 

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What Can Beauty Therapist Insurance Cover?

1. Public Liability Insurance

Public liability insurance can offer protection if a client or third party suffers an injury or property damage linked to your beauty treatments or activities. This can be considered essential for beauty therapists working in salons, mobile environments, or client homes.

2. Employers’ Liability Insurance

Employers’ liability insurance can be required by law if you employ staff, apprentices, or even temporary workers. It can offer cover for injury or illness claims made by employees while working for your business.

3. Treatment Risk Cover

Treatment risk insurance can provide protection specifically for claims arising from the beauty treatments you offer, including allergic reactions, burns, or skin irritations that may result from professional services.

4. Equipment and Stock Insurance

Equipment insurance can offer cover for beauty tools, machines, and products against theft, accidental damage, or loss. This may include items stored on your premises, in transit, or used in mobile services.

5. Personal Accident Cover

Personal accident insurance can offer financial support if you are unable to work due to injury, which can be especially important for self-employed beauty therapists.

6. Business Interruption Cover

Business interruption cover can offer financial assistance if your beauty therapy work is temporarily halted due to insured events such as fire, flood, or theft.

 

FAQs

Public liability insurance is not a legal requirement but is strongly recommended. Many salons and clients may request proof of insurance before allowing treatments to proceed.

Yes, treatment risk cover can offer protection for claims involving allergic reactions or skin irritation caused by treatments or products used.

Yes, mobile equipment cover can often be added to protect tools and equipment used at client sites or in transit.

Employers’ liability insurance can be required if you employ staff or use subcontractors who work under your supervision.

Yes, product liability cover can typically be added to help protect against claims linked to beauty products you sell or supply.

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Helpful Articles & Updates

Explore resources for beauty therapists including specialist insurance guidance, treatment risks, and practical business tips.