Microneedling Insurance

Easy as 1, 2, 3 – Microneedling insurance quickly, with instant cover

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Prickling Away To A Better Complexion

Another treatment that’s quickly becoming popular in the UK, microneedling (also known as collagen induction therapy or skin needling) uses a device covered with tiny, shallow needles to poke holes in the skin’s surface. This causes a micro injury that prompts the body’s healing response to take effect, stimulating the product of collagen which fills in fine lines, plumps the skin and gives an overall brighter and more youthful complexion. It can be used on many areas of the body, including the face, arms, neck, legs, abdomen, back and hands.

As a beauty therapist who has chosen to specialise in microneedling, you’re probably already aware of some of the risks associated with your treatment. Side effects can include allergic reactions when used in conjunction with products not tested for use with microneedling devices, as well as oozing, swelling, infections, milia and acne flair. And if your client is unfortunate enough to experience these side effects, they may choose to seek out a compensation claim against you, which could really put a dent in your business’ finances.

This is where Salon Gold can help. Because we’ve been working within the market for 30 years, we understand the perils somebody in your business can face. It’s for precisely this reason that we’ve included treatment risk cover as standard in all our Salon Gold Beauty Therapist insurance policies, so you can rest safe in the knowledge that, no matter what goes wrong in the treatment room, you’re protected.


N.B. For microneedling insurance,  you need to take out a Salon Gold Beauty Salon or Beauty Therapist insurance policy and add microneedling as an optional additional beauty treatment. To see the range of beauty treatments we can cover, visit our Beauty Salon or Freelance Beauty Therapist page.

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.

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.

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Our Reviews

4.9 / 5 Based on 2103 Reviews
Read all reviews »

Great website, super clear and easy to use. Policy documents are clear too!

5 hours ago

Emailed first to make sure it was the correct insurance. Came back to me within an hour or so! Great customer service!

on Apr 17th

very easy to follow instructions on line

on Apr 15th
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