Sports Massage Insurance

Easy as 1, 2, 3 – Sports Massage insurance quickly, with instant cover.

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4.9 / 5 Based on 2585 Reviews
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Sports Massage Insurance

You’ve trained and worked hard to acquire the massage and soft tissue techniques necessary to be a sports massage therapist. You want to be free to concentrate on delivering a valuable therapeutic service to your clients and we can help by saving you time and money finding the right insurance.

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 our 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 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.

Which type of Salon Gold policy do I need?

More information about Sports Massage Insurance

In today’s world, people are increasingly ready to take legal proceedings for compensation and the incidence of claims against therapists is on the increase. Even if your professional standards are high, the unexpected can and sometimes does happen and the price of our liability insurance cover is a small fraction of the likely cost of a claim. Read more about what types of cover we include and the amounts of insurance provided, on our freelance and mobile insurance page.

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:

CoverExcessLimit 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.

Treatments & Therapies We Cover

Our insurance policy automatically includes an array of treatments or therapies in your chosen field. If you’d like more information on what’s available, please tap the button below to visit our page on the treatments and therapies we cover.

Get your quote and cover with our quick and simple quote form and we’ll email your insurance documents to you. It couldn’t be easier! Choose your trade description as ‘Beauty Therapist’  or ‘Holistic Therapist’ — whichever applies to you. 

Teacher Or Student Cover

Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an extra 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!

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.

Our Reviews

4.9 / 5 Based on 2585 Reviews
Read all reviews »

Really easy to understand and user friendly website.

6 hours ago

Quick and Easy site, very impressed.

23 hours ago

Simple to use website, far easier than most, very good pricing with simple to see add on extra if you want them or not.... good policy cover and very competitive price...

on Aug 16th
This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2019 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 https://register.fca.org.uk/. Registered in England No 1842617. Registered Office – Seymour House, 223 Wickham Road, Croydon, Surrey CR0 8TG. All rights reserved.
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