Ear Candling Insurance

Easy as 1, 2, 3 – Ear Candling insurance quickly, with instant cover.

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Brought to you by Holistic Gold, our insurance scheme specially for holistic and complementary therapists.

Clear Hearing

A widely practised therapy, ear candles are made from cloth soaked in paraffin or beeswax. During an ear candling treatment, a hollow candle is inserted into one end of the client’s ear canal. The other end of the candle is lit and the heat travels down the hollow part of the candle, melting the ear wax. The ear wax and toxicants are then supposedly drained out by the vacuum created by the candle.

If you specialise in ear candling, no doubt you’re already aware that while it can be a hugely successful treatment, it can have some pretty large risks. Burns, perforated eardrums and blockage of the ear canal are just some of the dangers you face as a therapist practising this treatment. In order to keep your business protected from potential compensation claims, you need comprehensive insurance with full liability cover.

As this treatment comes under both our Salon Gold Beauty Therapist and Salon Gold Holistic Therapist insurance policies, we’ve included treatment liability/malpractice cover. This allows you to be free to continuing treating those with ear congestion, knowing that your business is safe from claims.

Which type of Salon Gold policy do I need?

Freelance & mobile insurance automatic covers

Public Liability

Public Liability

Public liability insurance covers accidental bodily injury by you or your business and also covers third party property damage (damage to posessions or property belonging to a client or member of the public while you are practicing).


Our freelance and mobile policy provides:

Products Liability

Products Liability

If you supply a faulty product to a customer that causes an injury or damages their property, they may try to sue you. Even if you have not been negligent, you may still be held liable for damages and injuries suffered as a result of products that you use or supply.


Our freelance and mobile policy provides:

Treatment Risk or Malpractice

Treatment Risk or Malpractice

N.B. Our freelance or mobile policy will provide either treatment risk or malpractice cover, depending on which is appropriate for your profession.

Treatment Risk

This protects you against claims for injury or damage caused by the treatments you carry out. So if somebody suffers a reaction to a treatment you have carried out, you may be liable to pay compensation and this is where insurance cover is vital.


Our freelance and mobile policy provides:

Malpractice

Malpractice insurance is a combination of public liability and professional indemnity insurance. (Professional indemnity insurance covers claims arising from advice). Malpractice insurance covers claims made for bodily injury, mental and psychological damage from both physical procedures and from advice, or a combination of the two. Cover is provided on a “claims made” basis, meaning that you will have cover for all claims made whilst your policy is in force. Read more about this cover on our malpractice insurance page.

Our freelance and mobile policy provides:

Financial Loss

Financial Loss

The public liability section of your policy will provide cover for third party injury and property damage caused by your negligence. But what if a client suffered a financial loss not caused by injury or property damage? Not a problem, we have included a valuable extension in our policies to ensure you are fully protected.

Also known as the Non–Injury Treatment Extension, your Salon Gold freelance policy will automatically provide cover if a client or member of the public suffers a financial loss as a result of work or a treatment carried out by you in connection with your business.

So for example, a client has a reaction to a treatment which did not cause an injury but turns their hair green or discolours their skin and they are unable to work as a result. They may not accept your offer of a refund and may not want you to rectify the damage. Instead, they may make a claim against you for their lost earnings. If the client’s loss of earnings was a direct result of your professional negligence, this extension will provide cover for you.

The standard limit under the policy is £10,000 but can be increased to £50,000 for an additional premium. There is a £1,000 excess (or 10% of the claim, whichever is greater) in respect of this cover.

Freelance & mobile insurance optional covers

Employers Liability

Employers Liability

Employers liability insurance is a legal requirement if you employ staff. It protects you against claims from employees who suffer an illness or injury at work and decide to seek compensation from you.

Money Cover

Money Cover

Cover is available for loss of your business money up to £500 whilst anywhere in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man (excluding theft from unattended vehicles).

You will also have cover for compensation in the event of bodily injury caused by robbery, theft or attempted theft. Please refer to the Policy Wording for full details of this cover.

There is an excess of £25 under this section of the policy. If you require cover in excess of these limits, please contact us.

Legal Expenses Personal Accident

Personal Accident

Personal Accident - for hands only

What would you do if you could not use your hands? They are your most important tools and (providing you are aged between 16 and 70) cover is now available for compensation in the event of loss of the hand or fingers or loss of use caused by an accident happening in connection with the business. The maximum payable under this section is £10,000 per person with reduced limits for loss of use of parts of the hand.


Personal Accident - full cover

How would you pay your bills if you had an accident and couldn’t work? This cover provides protection following an accident which prevents you from working and is not limited to hands only. It offers 24 hour cover, worldwide. If you are temporarily disabled, it pays from £50 to £300 per week. In the case of permanent disablement or death, a lump sum of £10,000 to £60,000 is payable.


Individual Personal Accident (& Sickness)Separate Policy

A separate policy is available to provide protection following an accident which prevents you from working. This policy can also be extended to include Sickness cover to provide you with a lump sum or weekly benefit if you are unable to work as a result of an illness.

Further information can be found on our Personal Accident page.

Stock / Equipment

Stock/Equipment

Cover is available for your stock and business equipment (excluding mobile telephones and computer equipment).

Cover operates on an “All Risks” basis and you will be covered anywhere in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man including at your premises (excluding theft from unattended vehicles).

Cover is available as follows:

Cover Excess Limit Any One Item
£1,000 £100 £500
£2,000 £100 £1,000
£3,000 £100 £1,500
£4,000 £100 £2,000
£5,000 £100 £2,500
£7,500 £250 £3,500
£10,000 £250 £5,000

If you require cover in excess of these limits, please contact us.

Premium Quality Cover, Without That Premium Price Tag

“So, what’s the catch?”
People often wonder how we can manage to keep our prices so affordable and still give them the same, premium quality cover.
We don’t play favourites. We always get you the best price possible, which keeps us a step ahead of the rest.
No tricks. Just comprehensive cover when you need it most.

from £51.04 per year This price is for £3m liability limit (up to £5m available). It includes insurance premium tax and our admin charge.

When you get your quote and buy your insurance you can choose your trade description as either ‘Beauty Therapist’ or ‘Holistic Therapist’ — whichever applies to you.

We've helped over 100,000 businesses like yours

Experience

For 35 years, we’ve been working with businesses like yours to continually improve. The result? Tailor-made insurance policies, made for specialists, by specialists.

We listen

We listen and care about your opinion. You know your business best, so we use all your feedback and strive to create something better.

Passionate

We want to see you succeed, but accidents sometimes can and do happen. If you’re dealing with a crisis, our 24/7 helplines will smooth you through, day or night.

Here for you

Don’t you just hate call centres? We do too! We believe in a personal approach, so every call to us will only be answered by a member of our own expert team.

To catch up on all the latest trends and industry news, visit our social channels now!

Our Reviews

4.9 / 5 Based on 2280 Reviews
Read all reviews »

It’s quick and easy to pick the right insurance for you and for you to choose what you want to be covered for. Highly recommend

on May 24th

It’s quick and easy to pick the right insurance for you and for you to choose what you want to be covered for. Highly recommend

on May 24th

Very easy form to complete insurance purchase.

on May 22nd
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