Professional Treatment Risk

Protect your business from treatment mishaps with treatment risk insurance

Treatment Risk Cover: Protect Your Business

A lot can go wrong when things get hectic in the hair and beauty industry. But unlike other professions, it’s not just slips and trips that can cause issues – it’s treatments going wrong and clients suffering allergic reactions or other injuries that are probably your main concern. Whether you own a salon, or run a freelance or mobile business, accidents can happen in the salon chair or treatment room and, when they do, you need to know you’re protected.

Treatment risk insurance safeguards against any damage your business may be exposed to as a result of these accidents. Conventional public liability insurance doesn’t cover claims arising from professional services, which can be a problem for hair and beauty professionals due to the nature of the work involved. As an extension of your public liability cover, treatment risk insurance steps in to provide this vital area of protection that standard public liability insurance does not include. It protects your business against claims for injury or damage caused by the treatments you carry out, making it essential for anyone working in the industry.

What Do You Get With Treatment Risk Insurance?

Your Salon Gold policy will always provide public liability cover for general types of accidental injury to a person (or damage to their property) sustained in the course of running your business. Our treatment risk insurance is an extension of this and it covers you whether you work from a salon, clinic, from home, or on a mobile basis, and protects you whether you work in the United Kingdom, Channel Islands, or the Isle of Man. It also includes temporary (up to 14 days) cover for work abroad (excluding the USA and Canada). A wide variety of treatments are covered as standard, and there is an option to add certain additional treatments at an extra cost.

For holistic, health or fitness businesses, malpractice insurance is the cover you need and your Salon Gold policy will provide that in place of treatment risk.

In addition, we also automatically provide product liability insurance. This critical policy prevents you and your business from paying out on any claims which are related to any faults in the products you sell your customers, especially if they lead to personal injury or property damage.

Our standard cover includes:

  • A limit of indemnity of £3 million for all claims each year (or £1 million for students)

 

This cover is applied automatically when you take out your insurance with us.

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

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business by clicking below.

We cover treatments and trades in hair, beauty, holistic, fitness and counselling sectors

Treatment Risk Insurance FAQs

What is treatment risk insurance?

Treatment risk insurance covers injuries or damage sustained through the performance of specified treatments but doesn’t include injury from slips and trips, which are covered by your public liability policy. It is an essential cover for anyone in the hair and beauty industry

Why do I need treatment risk insurance?

Regardless of how advanced the treatment you’re doing is, treatment risk insurance protects you from even a single slip, which could lead to cutting someone’s ear during a trim, or damaging a client’s nails. Even a minor allergic reaction to a colouring or tanning product you’ve used could lead to a massive compensation claim. In order to best protect your business, we would caution any hair and beauty professional, regardless of which treatments they’re carrying out on a day-to-day basis, to ensure they have treatment risk insurance in place.

How much is treatment risk insurance?

At Salon Gold, our experience has shown us that every health and beauty business is different, which means that your line of work is likely to need a different package of cover from another. As such, our insurance policies span a range of price brackets based on your individual needs, so get a quote online now to get a competitive quote tailored to your circumstances.

Will I automatically get treatment risk insurance with any Salon Gold insurance policy?

Yes! Every one of our policies includes treatment risk insurance as standard, however, it’s worth noting that if you have a Holistic Gold, Fitness Gold or Counselling Gold insurance policy, this cover will be replaced with malpractice insurance. To find out more about our malpractice insurance and what it covers, please visit our malpractice insurance page.

Does treatment risk insurance protect me from slips and trips?

Treatment risk insurance is for injuries or damage sustained through treatments only and it doesn’t include injury from slips and trips. They are, however, covered under public liability insurance, and this is included as standard with all our Salon Gold hair, beauty and salon insurance policies.

Do I really need treatment risk insurance if I’m only performing minor treatments (eg. cutting or colouring hair, giving manicures, doing spray tans, etc.)?

Yes, you do. Regardless of how advanced or otherwise the treatment you’re doing is, we would strongly advise taking out a treatment risk insurance policy. All it takes is one slip for you to accidentally cut a person’s ear or damage a client’s nails, and even a minor allergic reaction to a colouring or tanning product you’ve used could lead to a massive compensation claim. In order to best protect your business, we would caution any hair and beauty professional, regardless of which treatments they’re carrying out on a day-to-day basis, to ensure they have treatment risk insurance in place.

What if I have more than one occupation?

When you’re filling out our online quote form, you’ll be able to select up to 3 occupations. If you need any more than 3 of these to cover all the work you do, that’s not a problem – contact us directly and we’ll be able to arrange the cover you need. It’s absolutely essential you ensure your treatment risk policy covers all the treatments you provide, to ensure there are no holes in your cover and that you’re completely protected.

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