Semi-Permanent Make-Up Insurance: Explained

Dean Laming ACIIBy Dean Laming on July 11th, 2018

As a semi-permanent makeup therapist, your customers expect to leave looking and feeling fabulous. Maintaining confidence and trust is key to attracting new business and to ensure your clients keep on coming back.

That’s why the right type and level of insurance cover is essential to protect yourself and your business and to reassure customers that if something does go wrong, they’ll be safeguarded.

Here’s an overview of the main elements you need to consider when taking out an insurance policy.

Liability insurance

Public liability insurance will protect you if a client has an accident, for example, a trip or a fall. This cover is vital for all businesses. If you employ people, you’ll also need to include employer’s liability insurance to protect your staff.

Treatment risk insurance

Treatment risk insurance is one of the most important covers to consider when you work in beauty. As public liability insurance excludes claims arising out of professional activities, simply having public liability insurance means that, as a beautician, a lot of the claims you might have to make wouldn’t actually be covered. Treatment risk insurance deals with this gap in cover, providing cover for any injuries arising out of any treatments you provide.

Products liability insurance

Product liability insurance will cover you if you use a product during a session that causes some kind of injury to a client or a severe allergic reaction. This is important given the range of products you will use on a day-to-day basis in your work.

Building & premises, stock & equipment

Insurance cover for accidental loss, damage or theft of your stock and equipment is important. You should also consider insurance cover for the premises from which you work in case it becomes unusable. You can add different types of cover depending on whether you own or rent your premises.

You may also consider it essential to take out cover for personal accidents and sickness, and you can add cover for legal expenses.

Other important points to consider

There are some simple ways in which you can reduce the cost of your premium. Identify which elements of cover are essential and limit additional features if they aren’t necessary.

You can also take a few practical steps to lower your insurance costs. Insurers will view you as lower risk if you can demonstrate many years’ experience in the beauty profession and if you have professional certification and qualifications. Remember, you will only be covered for treatments for which you’ve been trained and qualified otherwise your insurance may be void.

Remember to keep your paperwork up to date. Accurately record clients’ medical details and ensure they sign consent forms and document any discussions you may have had with them about a treatment.

Finally, because of the longevity of the results of semi-permanent make-up and the methods by which it is applied, it’s crucial that you read the small print of your policy. As clients can typically have up to six years to make a claim, ensure you’re covered for future claims and financial liabilities.

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