Your business is worth protecting
Even though you take the best possible care with your clients, it’s important to be protected should anything go wrong. That’s where professional beauty insurance can help. Even a small mistake at work can cause a big problem if there are legal ramifications for your business. But with tailored, comprehensive beauty insurance, you have the protection and peace of mind you need.
Our beauty insurance and beauty public liability insurance covers a wide range of professions and businesses, including:
- Beauty treatments, such as waxing, facials and lash tinting
- Beauty therapists
- Hair dresser and hair stylists
- Nail technicians
- Cosmetics shop
- UV and spray tanning
- Hair treatments, including dyeing and curling
Hiscox provide comprehensive cover for professionals within the hair & beauty industry. Create a hair and beauty insurance package that will protect your business against malpractice and liability compensation claims.
Haven’t found your profession? We cover businesses across a huge range of industries, see our Health & Therapies Insurance page to see if your profession is included here. You’ll also find a list of the other professions we cover on our business insurance by profession page.
Is there a difference between beauty insurance and hair insurance? We offer the same insurance products for both hair and beauty professionals, with the only difference lying in the activities it covers. Our hair stylist insurance, for instance, covers activities like dyeing and cutting, while beautician insurance covers body scrubs, waxing and skin treatments.
Professional treatment insurance
Because of the hands-on nature of your business, there’s always the risk that a client could claim they’ve suffered an injury or illness because of your actions or advice. That’s why we’ve developed professional treatment liability insurance for businesses like yours. It protects against the cost of settling or defending a claim that there is a problem with your work, including malpractice claims.
What claims does this kind of beauty treatment insurance help with?
We offer protection against a wide range of risks. Bodily injury and mental injury are covered, along with disease or death arising from business activities. Our professional beauty insurance also covers death or disease because of a good Samaritan act, where you administer treatment at the scene of a medical incident. Typical scenarios covered include:
- If a client sustains an injury because you make a mistake during treatment. For example, if you burn them by using wax that is too hot. We offer cover for both immediate and subsequent claims.
- If a client claims they have suffered an allergic reaction to one of your products.
Tailor your business insurance quote
- 0% interest on Direct Debits
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
Professional beauty insurance: Employers’ liability cover
When you’re running a business, clients and members of the public aren’t the only concern – employees are important too. This is where employers’ liability insurance comes in. If an employee experiences an injury or illness because of something that happens at work, they could take legal action against you. Employer’s liability insurance protects you against the costs of defending or settling these legal claims in court.
What claims does this kind of beauty liability insurance help with?
If an employee is injured at work through an accident or equipment malfunction. For example, if a hair straightener malfunctions and burns them.
- If an employee becomes ill because of something that happens at work. For example, if they get sick due to unsanitary work conditions.
- Even though you try to make your workplace as safe as possible for employees, there is always the possibility that something unforeseen may happen. In these instances, an employee could seek compensation – and if the incident exposes a breach of regulations, you could be prosecuted.
More about Hiscox Employers Liability Insurance
Professional beauty insurance: Public Liability cover
If a client or member of the public were to claim that your business caused them property damage or bodily injury, you may have to go to court. Our public liability insurance would protect your business against the cost of settling or defending such a claim.
What does this kind of beauty business insurance help with?
Our public liability insurance covers you for claims made by members of the public (including clients) for injury or property damage caused by your business. For example:
- If a client or member of the public were to sustain a personal injury on your premises. For example, if they were to slip and fall in your premises.
- If a client’s property were to be damaged by your business. For example, if one of your therapists were to knock over and break an expensive ornament while visiting a client in their home, you’d be protected.
What doesn’t it help with?
It’s important to note that this kind of hair & beauty industry insurance doesn’t cover malpractice. That means you won’t be protected for a mistake you make in the delivery of a treatment, like using the wrong product or technique on a client. That kind of incident would be covered by professional treatment insurance (see above).
More about Hiscox Public Liability Insurance
Do I need both public liability + Employers liability insurance?
If you employee one or more members of staff, your business is legally required to have employer’s liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public consider this kind of beauty insurance essential. It’s worth noting that your employees are not covered by public liability insurance.
Winner 8 years running
Personal accident insurance
Our personal accident insurance is designed to support you, as a business owner, if you or a key employee are unable to work due to an accidental bodily injury. When it comes to health and beauty businesses, you’ll know that the sudden loss of a member of staff could have a significant detrimental effect on your business. This beauty industry insurance policy can help protect against the financial impact by providing your business with a lump sum or weekly amount up to the limit of your cover.
More about Hiscox Personal Accident Insurance
Cyber & Data Insurance
As a salon owner, computers might not be an integral part of your business, but you probably still use them for record-keeping or appointment-booking. If you do, there is always the risk of being attacked by a hacker or experiencing a data leak. In these situations, cyber and data insurance could be very helpful. This kind of beauty insurance protects you against potential legal and recovery costs in the event of an incident, while providing you with year-round peace of mind.
More about Hiscox Cyber and Data Risks Insurance
What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: