|
| |
| Freelance Hairdresser and Freelance Beauty Therapist Liability Insurance |
 |
| |
If you are a self employed hairdresser, beauty therapist, holistic therapist or nail therapist, our liability policy will give you the protection you need. Whether you work as a mobile or in a salon, our policy will cover you. This specialist insurance you can rely on is provided by Arista Insurance Limited on behalf of certain underwriters at Lloyds.
Click on any of the questions below:
How much does it cost?
What cover do I need and why?
How much cover will I get?
|
|
|
|
|
|
_____________________
HOW MUCH DOES IT COST?
|
You will find that our specialist hair and beauty liability policies are extremely competitive! |
The prices shown below are for online transactions. If you are one of the many people who prefer to speak to a person in order to buy your insurance, then in return for a small administration charge, one of our insurance consultants would be happy to do everything for you. Just phone us on the number at the bottom of this page. |
| Hair only |
£40.95 |
| Beauty |
£44.10 (includes holistic treatments) |
| Hair & Beauty |
£44.10 (includes holistic treatments) |
| Nails only |
£37.80 |
| Trichology |
£44.10 |
|
Click HERE to see List of
Treatments Covered by
each Trade
|
|
|
| All premiums shown include Insurance Premium Tax (IPT) at 5% |
You will automatically get public, products and treatment liability cover |
| There are 3 optional covers that you can add if you need them: |
1) Employers Liability £78.75
This premium is for up to 5 people including any working partners.
|
|
|
2) Stock /equipment cover
£1,000 cover £31.50
£2,000 cover £52.50
£3,000 cover £78.75
£4,000 cover £105.00
£5,000 cover £136.50
|
3) Additional Beauty Therapy Treatments
The following treatments can be added to the standard range of treatments at the additional costs below:
|
Advanced electrolysis - £15.75 per person - removal of warts, milia, thread veins, mole hairs and
skin tags (mole hairs subject to doctors letter)
Microdermabrasion - £26.25 per person
|
_______________________________________
WHAT COVER DO I NEED AND WHY? (Return to Top)
|
As a self employed hair and beauty professional, you have a duty of care to your clients, the general public and any staff you may have. If you fail to observe this duty of care then you could be faced with a claim for financial compensation.
We live in a society in which people are becoming more and more likely to take legal proceedings for compensation and the incidence of claims against hairdressers and therapists is on the increase. Nowadays it is not uncommon for large compensation claims to be made for minor damages and substantial legal fees are also added.
|
Would I be covered?....
If I accidentally spilt tint or wax on a client’s carpet? ….. If a client says they suffered damage from a treatment I carried out or a product I used?..... If I accidentally cut a client’s ear or burnt their skin? ….. If my employee had an accident while she was working for me? ….. If my equipment is lost or damaged?
Our liability policy provides cover for all these situations - read more below.
|
Public Liability Cover (included automatically)
|
| Public Liability insurance covers financial damages and legal expenses as a result of the death, injury or damage to property suffered by members of the general public, caused by your business. |
Professional Treatment Liability and Product Liability Cover (included automatically)
|
| This protects you against claims for injury or damage caused by the treatments you carry out and the products you apply. Even if you have not been negligent, you may still be held liable for damages and injuries suffered as a result of products you use. |
Employers Liability Cover (an optional cover which you must add if you have staff)
|
| It is a legal requirement to have employers liability insurance if you have staff. This covers against the risk of accidental death, bodily injury and disease in the course of their employment. If you are in a partnership, you can also insure against injury to working partners under this section. This extends cover to include legal liability for bodily injury to a working partner caused by the negligence of another partner or employee which would not otherwise be covered. |
Stock and Equipment in Transit (optional)
|
| Provides insurance against accidental damage or loss of stock and equipment anywhere in the UK. |
____________________________________
HOW MUCH COVER WILL I GET? (Return to Top)
|
| Public and Products Liability: |
£2 million (can be increased to £5 million for a small
additional premium) |
| Professional Treatment Risk Liability: |
£2 million |
| Employers Liability (optional): |
£10 million |
| Stock/property in transit (optional): |
Up to £5,000 can be selected in £1,000 multiples |
|
 |
|
|
|
|
Click
HERE
for our terms of business
|
|
Click
HERE
for the policy summary
|
Click
HERE
for the full policy wording
We confirm that this policy meets the demands and needs for insurance cover against the normal liability risks of a freelance hairdresser, beauty therapist, nail technician, trichologist or barber.
|
|
|
