Mobile and Freelance Hairdressing and Beauty Insurance
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Your Mobile or Freelance Liability Insurance Explained
If you are a self-employed freelance hairdresser, beauty therapist, holistic therapist or nail technician, our liability policy will give you the protection you need. Whether you work on a mobile basis or as a freelance hairdresser or therapist in a salon, our policy will give cover you perfectly. Our specialist insurance you can rely on is arranged via Lloyds of London – a name you can trust.
For more information, 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 Freelance Or Mobile Insurance Cost?
You will find that our hair, beauty and nail liability policies are extremely competitive! We have specialised in this type of insurance for many years and because we insure many thousands of freelance and mobile professionals, we have access to very competitive rates. So we are able to offer you insurance cover you can trust for a surprisingly low price.
The costs shown below are the prices for one year’s cover if you buy online. If you prefer to speak to a person in order to buy your freelance or mobile insurance, just phone us and one of our insurance consultants would be happy to do everything for you for a small administration charge.
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£41.34 | ||
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£44.52 (includes holistic treatments and nails) | ||
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£44.52 (includes holistic treatments, hairdressing and nails) | ||
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£38.16 | ||
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£44.52 |
Click here to see list of treatments covered for each trade
➢ YOU WILL AUTOMATICALLY GET PUBLIC, PRODUCTS AND TREATMENT RISK
LIABILITY COVER*
➢ THERE ARE 3 OPTIONAL COVERS THAT YOU CAN ADD IF YOU NEED THEM:
1) Employers Liability £79.50
You will need this cover if you employ staff. This premium is for up to 5 people including any
working partners.
2) Stock/equipment cover*
£1,000 cover £31.80
£2,000 cover £53.00
£3,000 cover £79.50
£4,000 cover £106.00
£5,000 cover £137.80
3) Additional Beauty Therapy Treatments
The following treatments can be added to the standard range of treatments at the additional costs
below:
• Advanced electrolysis – £15.90 per person – removal of warts, milia, thread veins,
mole hairs and skin tags (mole hairs subject to doctor’s letter)
• Microdermabrasion – £26.50 per person
All premiums shown include Insurance Premium Tax (IPT) at 6%
In addition to the premiums detailed above, a transaction fee of £2.50 will be added to all orders to cover increasing bank and credit card charges.
What Freelance Or Mobile Cover Do I Need And Why?
As a freelance or mobile hairdressing, beauty or nail 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, with substantial legal fees added as well.
Would I be covered if……?
• I accidentally spilt product on a client’s carpet?
• A client says they suffered damage from a treatment I carried out or a product I used?
• I accidentally cut or burnt a client’s skin?
• My employee had an accident while she was working for me?
• My equipment is lost or damaged?
The good news is…. YES. Our liability policy for freelance and mobile hair, beauty and nail professionals 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 hairdressing or beauty 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 beauty products you supply. 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 in your freelance or mobile business. 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
(an optional cover)
Provides insurance against accidental damage or loss of stock and equipment anywhere in the UK (excludes theft from an unattended vehicle).
How Much Cover Will My Freelance Or Mobile Policy Give Me?
| Public and Products Liability: | £2 million (can be increased to £5 million) |
| 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 to download our terms of business as a PDF document
Click HERE to download the freelance and mobile policy summary as a PDF document
Click HERE to download the full freelance and mobile insurance policy wording as a PDF document
We confirm that this policy meets the demands and needs for insurance cover against the normal liability risks of a freelance or mobile hairdresser, beauty therapist, holistic therapist, nail technician, trichologist or barber.
* Please note that the Public and Products Liability cover includes an excess of £50 in respect of damage to third party property. The Stock/equipment cover excludes theft from an unattended vehicle and there is an excess of £100 each and every loss. The maximum limit is £250 for any one item.
