Beauty Insurance for Freelance & Mobile Therapists

Beauty Insurance for Freelance & Mobile Therapists

Easy as 1, 2, 3 – Beauty Therapist insurance quickly, with instant cover.

Beautician’s Insurance by the industry experts

The Beautiful Life

Beauty isn’t just what’s on the outside – it’s about making people feel good about themselves. As a beauty therapist, you believe that pampering is good for the soul, so you set out to make your own beauty business in order to give your clients that little bit of indulgence we all need.

Unfortunately, things don’t always go the way we hope they will. All it takes is a client suffering an adverse reaction to a product or treatment for all that hard work to feel wasted. And when you’re faced with a compensation claim, what do you do then? Does it mean the end of your dream?

At Salon Gold, we know that accidents are a part of running a business. Nowadays, large claims can be made for minor damages. We’ve included full treatment liability cover on our Beauty Therapist insurance policy, so one slip up doesn’t have to put a pin in your dreams for the future.

Let’s make people look and feel beautiful together. Buy your beauty insurance with Salon Gold today.

What’s included…

from £52.04* per year
* This price is for a £3m public, products and professional treatment risk liability cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.

Liability cover and more with our beauty insurance package

What beauty covers do you really need?

Beauty treatment risk liability insurance. If a client complains that a treatment you carry out causes them an injury or illness, for example a burn, scarring or an allergic reaction, you could find yourself faced with an expensive court case and a claim for compensation. This insurance would cover any compensation awarded to the client and the legal fees that you would incur.

Public liability insurance is another important part of your policy. It protects you if a client or member of the public should suffer an injury caused by you, but not directly related to a treatment. So for example if you leave a. case on the floor and someone trips over it and is injured. Accidental damage to a client’s property is also covered, for instance if you break an expensive ornament or crack a glass table.

Product liability insurance. This would cover you if you were to use a product on a client, or supply them with a product which is found to be faulty and which causes them an injury, or damages their property.

Employers liability insurance is almost always required by law if you have any employees.

And financial loss cover also comes automatically, at no additional cost.

There are a few other covers that you can add to your policy if you want to, at good prices. They include money cover, stock/equipment cover, legal expenses, and personal accident.

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business.

Go

Are you a Student?

Yes
No
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Based on the information provided we would suggest our Student policy.

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Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?

Yes
No
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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a salon or business owner?

Yes
No
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Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.

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Do you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their therapy or treatment?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

Get a quote
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote
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Our Beauty Therapist Cover

For Mobile & Freelance

If you work mobile or freelance in the beauty therapist sector, our specialist policies provide all the cover you need at some of the best prices around.

Freelance covers

Our Beauty Therapist treatments

The Salon Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.

Treatment page

Do you own or lease a salon? Check out our beauty salon insurance package.

Beauty salon

Our beauty salon insurance packages provide some of the widest covers around.

Salon covers

Superstars

Katie Godfrey Beauty Expert / Educator Submit your question

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    So how does it work?

    Your message will go to our Superstars and each month one question will be answered and featured on theHUB. Our Salon Gold Superstars are here to share the secrets of their success with you and pass on their knowledge to help you to maximise your potential.

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    “Will qualifications affect my insurance?”

    Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide

    Teacher or student cover

    Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!

    Beauty Insurance FAQs

    Do beauty therapists need insurance?

    Whether you’ve been in the business for 35 years, or you’re a fresh graduate looking to start building your client base, all beauty therapists need to have insurance. As you’ll be working closely with your clients, either in your own work space or at their home, it’s important that you’re not left financially liable for any accidents that may occur.

    For example, if a client claims that a treatment you carried out is the cause for their injury or illness, such as a burn, scar, or allergic reaction, you may have to pay compensation. This can get costly, especially with any added legal fees, which may leave you out of pocket. Your insurance would cover these costs, ensuring you’re not left footing the bill.

    What insurance does a beauty therapist need?

    All beauty therapists should hold the following insurance policies: treatment risk liability, public liability, and product liability. Treatment risk will cover you in the event a client complains that a treatment caused an injury or illness. Public liability covers you if a client or other third party suffers an injury which you have caused, but is not directly related to the treatment, such as someone accidentally tripping over equipment. This policy also covers you for any accidental damage to property. For example, your products may leave a mark on your clients’ furniture or personal possessions. Product liability insurance covers you in case a product you sold is faulty or causes injury or damage to your client.

    How much does freelance beauty insurance cost?

    The cost of your Salon Gold freelance beauty insurance policy depends on whether you choose to add optional covers to our basic insurance package. It’s also dependent on your own experience levels, and whether you’ve taken out a claim in the past. Our team will work closely with you to create an insurance policy that’s perfect for your needs, and at a budget you can afford.

    What type of insurance do mobile beauty therapists need?

    When working as a beauty therapist on a mobile basis, public liability insurance is more important than ever. What would you do if you splashed tanning solution on a customers carpet or knocked over an expensive vase in their home? Public liability will protect you in these instances. Treatment risk insurance is also important in case you were to injure a customer during the course of a treatment.

    This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s). © Copyright 2024 Salon Gold | Salon Gold, Holistic Gold, Counselling Gold, Fitness Gold and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register. Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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