If you are a beauty or complementary therapist, each treatment or consultation you give to a client presents a potential risk to your business. You undoubtedly strive to deliver an excellent service and keep up to date with the latest training and techniques. But what if a client makes a claim against your business for compensation? It could be because something happened that you simply couldn’t predict. Or where you felt everything went to plan but the client later claims they suffered a reaction to their treatment. Without the right insurance cover in place, a claim for compensation could be expensive, time consuming and disruptive to deal with. Hiscox treatment and professional liability insurance for beauty and complementary therapists is tailored to the risks faced in your industry and covers a wide range of activities.
Beauty therapist insurance
We cover a wide range of activities, including:
- Manicure and pedicure
- Eyebrow plucking and threading
- Body wrapping
So, for example, if a client suffered skin tears and subsequent scarring as a result of hair waxing, they could make a claim for compensation against your business. If you had treatment and professional liability cover in place we would defend and pay any necessary claim as well as legal costs up to your limit of cover.
Insurance for complementary therapists
We cover a wide and expanding list of activities, including:
Imagine if a client claimed that a message you gave caused a slipped disc in their back and demanded compensation because they had since been unable to work. With treatment and professional liability insurance in place we would cover the cost of any compensation you have to pay as well as the cost of defending the claim up to the limit of cover you select.
How Hiscox professional liability insurance for therapists protects your business
- Covers a wide range of risks – your business is comprehensively covered should you make a mistake in the course of your work, whether it’s a claim of bodily or mental injury, illness, disease or death
- Friendly and expert claims handlers – get effective and efficient support when you need it most
- Breach of confidence – you’ll be covered if a client makes a claim because they believe that you have shared their confidential information without their permission, for example posting online some personal details they have told you over a course of treatments.
Public liability insurance for beauty therapists
If you want protection against claims of accidental injury or damage that don’t relate to your treatments but happen as a result of your business, for example a client slipping on a spilled drink in your treatment room, you may also be interested in adding our public liability cover to your beauty therapy insurance or complementary therapy insurance. This would protect your business against the cost of defending or settling a claim for compensation from a client or member of the public if they suffer an injury or damage as a result of your business.
More information on Hiscox public liability insurance >
Quote and buy today
To get a quote for treatment and professional liability insurance, please call and speak to one of our business insurance experts.
We want you to understand the treatment and professional liability cover we offer.
Download treatment and professional liability insurance summary of cover (PDF)
Download treatment and professional liability insurance policy wording (PDF)