It’s a legal requirement that laser hair removal practitioners maintain adequate insurance cover. Not only that, but as a treatment provider, it makes sound practical and commercial sense that your business has an insurance policy which will protect it from claims and financial liabilities.
Laser hair removal is an increasingly popular and effective method of removing unwanted hair but, as with any medical procedure, there are risks.
Laser hair removal is a complex procedure and can have serious consequences if something goes wrong. Burns and permanent scarring can happen and customers who experience such outcomes are likely to make a personal injury claim.
Not only does a specialist insurance policy safeguard your staff and your business, it also offers reassurance to customers. Laser hair removal insurance can be confusing and not all policies are equal, but here’s an overview of what you must consider.
Public liability insurance is a legal requirement and will cover you if a client or member of the public has an accident at your premises. If you employ staff, you’ll need employer’s liability insurance to protect both them and your business.
Treatment risk insurance is also essential cover for a practising beauty therapist. As public liability insurance excludes claims from professional activities, and your treatment counts as a professional activity, treatment risk insurance will bridge the gap and cover any treatment you provide to customers.
If you use a faulty product on a customer – even if it’s not your fault – they may try to sue you. This would also apply if the product you’re using fails, so it’s important to ensure you have products liability insurance.
Buildings, contents, stock & equipment
Of course, your business must also be insured against accidental loss, damage or theft and you will need to consider cover for loss of premises – whether you own or rent the building.
Other important points to consider
You may also consider it essential to take out cover for personal accident and sickness, and you can add cover for legal expenses should a customer make a claim against your business.
Take care to ensure you only carry out procedures you’re trained and qualified in, otherwise, your insurance policy may be declared void.
You must ensure you accurately record clients’ medical details and ensure they sign consent forms and document any discussions you have had with them, as records will be used in any claim and your insurer will need to see them.
It’s always wise to shop around for insurance, but given the specialist nature of operating a laser hair removal business, it makes sense to discuss your requirements in full with a dedicated provider.