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.

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

Beauty therapist insurance

We cover a wide range of activities, including:

  • manicure and pedicure
  • eyebrow plucking and threading
  • body wrapping
  • facials
  • exfoliation
  • waxing.

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:

  • acupuncture
  • aromatherapy
  • massage
  • reiki
  • homeopathy
  • reflexology.

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.

More information on the types of therapies we cover

Hiscox UK
4.7

Rated 4.7 out of 5 for satisfied customer service

670 reviews

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

feefo gold trusted merchant 2017

Your policy

We want you to understand the treatment and professional liability cover we offer.

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.

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

Start your business award 2017

Winner 8 years running

Treatment and professional liability insurance cover information

Further information on what your policy covers.

Hiscox Treatment and Professional Liability Insurance provides cover for compensation you have to pay if a client claims they have suffered an injury or illness as a result of a treatment or advice they received from you.

It protects beauty therapists and complementary therapists against risks such as:

Risk

Example

Malpractice

Any bodily or mental injury, disease or death of a client caused by a negligent act, error or omission by you in the performance of your business activity, such as using the wrong product or technique.

Negligence

Failing in your duty of care to your client, such as giving incorrect advice or making a mistake in your work.

Dishonesty

A director, employee or self-employed freelancer contracted to you is involved in a theft from the client.

Libel or slander

Using or producing any material about other companies or individuals that may cause offence or damage.

Breach of confidentiality

Sharing confidential or commercially sensitive information without consent.

Find the right level of cover for your business

When working out the right level of cover for your business, you should consider:

  • the main risks you face in the performance of your business activities
  • the maximum compensation that could be awarded against you
  • the potential cost of legal defence fees if you had to defend a claim
  • whether you have any contracts or professional requirements which require you to have a certain level of cover in place.

Treatment and professional liability insurance claims

If you know a client has a problem with your work and it’s likely to give rise to a claim against your business for compensation, you must let us know as soon as possible. Prompt action could minimise the problem and avoid unnecessary legal costs and distress.

More about how to make a claim

You should also contact us to let us know if:

  • you receive a complaint from a client or realise you have slipped up somewhere and can’t easily resolve the problem
  • a client withholds payment to you after a complaint
  • you become aware of a shortcoming in your work that you can’t easily put right.

Our beauty and complementary therapist liability insurance can be bought as a standalone product, or to protect you against claims of accidental injury or damage not relating to your treatments but as a result of your business, for example a client slipping on a spilled drink when in your treatment room, we offer public liability 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.

Existing customer

If you already have a policy with us and need to get in touch, our business insurance specialists are here to help.

Make a claim

When things go wrong, we’re the experts in putting it right. Need to make a claim?

Our claims promise

Our UK-based claims handlers are here to act swiftly and in your best interests. Find out more about our superior claims service.