Infra-Red Treatment Insurance

Easy as 1, 2, 3 – Infra-Red Treatment insurance quickly, with instant cover

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4.9 / 5 Based on 2280 Reviews
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Natural Pain Relief & Healing

A treatment gaining traction in the beauty industry every day, infra-red treatments focus on using infra-red wavelengths to deliver energy to the cells, which helps to stimulate the body’s natural healing abilities and relieve pain. It can be used to boost circulation and improve skin complexion too, which makes it a miracle cure for combating the signs of aging.

As a therapist who uses infra-red therapy to treat your clients, even though infra-red treatments show no adverse side effects as of yet, that doesn’t necessarily mean that your business is safe from claims. All it takes is a client slipping over your bag or having a hot beverage accidentally poured over them for a client to claim compensation.

Because we understand that these things happen when running a business, we’ve included treatment liability cover in our Salon Gold Beauty Therapist insurance policy. This means you’ll be protected from little accidents like this, which means you’re able to concentrate on making people look and feel great about themselves, while we look after your best interests.

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

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:

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
© Copyright 2019 Salon Gold | Salon Gold, Holistic Gold, Counselling Gold and Fitness Gold are products of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.Registered in England No 1842617 Insurance Brokers. All rights reserved.
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