Insurance for the Mobile or Freelance Beauty Therapist, Beautician and Complementary Therapist
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Your Mobile or Freelance Beauty Liability Insurance Explained
If you are a self-employed freelance beautician, beauty therapist, massage or holistic therapist, our liability policy will give you the protection you need. Whether you work on a mobile basis or as a freelance therapist in a salon, our policy will cover you perfectly. This specialist insurance that beauticians and therapists can rely on is arranged via Lloyds of London – a name you can trust.
How Much Does Freelance Or Mobile Beauty Insurance Cost?
You will find that our liability policies are extremely competitive! We have specialised in beauty and holistic insurance for over 25 years and because we insure many thousands of freelance and mobile beauticians and beauty therapists, 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 cost for a year’s cover is £44.52 if you buy online. (This automatically includes holistic treatments and nails).
If you prefer to speak to a person in order to buy your freelance or mobile liability insurance, just phone us and one of our insurance consultants would be happy to do everything for you for a small administration charge.
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
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
• 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 £3.00 will be added to all orders to cover increasing bank and credit card charges.
What Freelance Or Mobile Beauty Insurance Do I Need And Why?
It takes years of training and hard work to set up your own beauty business. No matter how professional you are, things can happen that you can’t forsee or control. Nowadays, large claims are sometimes made for minor damages and without proper insurance cover, the future of your beauty business may be at risk. Our Salon Gold Freelance policy covers beauty therapists, holistic practitioners and beauticians and provides low cost protection you can trust. Read more about what our cover includes
How Much Cover Will My Freelance Or Mobile Beauty 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 beautician, beauty therapist or holistic therapist.
* 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.