Radio Frequency & Cavitation Insurance

Easy as 1, 2, 3 – Radio Frequency & Cavitation insurance quickly, with instant cover.

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A Winning Team

Part of a set of non-invasive treatments for those who want to look slimmer or younger, cavitation and radio frequency can use the same device. Together, they produce the overall result of shrinkage of the subcutaneous fat layer, cellulite reduction, tissue tightening and improved skin tone.

Cavitation Using Low Intensity Ultrasound

In cavitation, an ultrasound transducer is applied in a circular motion over the excessive layers of subcutaneous fat. It delivers a concentrated, low frequency ultrasonic beam, which liquefies the fat deposit. The ultrasound energy selectively disrupts delicate fat cell membranes through thousands of microscopic implosions. A major benefit is that it doesn’t cause any damage to surrounding tissues and is completely painless and harmless. The emulsified fat within the fat cells gets broken down into small particles that the body can naturally metabolise. Sometimes called non-surgical ultrasound liposuction, cavitation is particularly useful for stubborn fat deposits that seem to be resistant to diets and workouts.

Radio Frequency (RF)

After the reduction of subcutaneous fat layers, the skin tends to lose elasticity and becomes more lax. A radio frequency treatment can be extremely effective in this situation, penetrating deep into the skin. The heating effect induces collagen fibres to contract immediately, pulling and tightening the skin. The metabolism of fibroblasts is also increased, producing a longer term effect as new collagen fibres continue to grow. Radio frequency is used alone mainly to firm, tighten and lift the skin, and to reduce wrinkles. When used together with other technologies such as IPL and infra red, it can be used to enhance a variety of treatments, including hair removal, photorejuvenation, pigment and vascular problems, acne scarring and cellulite.

Radio Frequency & Cavitation: The Risks

Unfortunately, these treatments are not without their risks. These include tight skin, mild redness, swelling, bumps, blisters and nausea. Another potentially serious hazard is “depression” –  a sunken appearance in the treated area. It’s thought to be caused by excessive heating of the underlying tissue causing fat to either shrink or tighten. If you’re unlucky enough to have a client affected by this, a claim for compensation could easily run into thousands of pounds.

But there is hope in your time of need. Here at Salon Gold, we understand that sometimes things can go pear-shaped without your intention. That’s why we offer treatment risk insurance cover as standard across our Salon Gold Beauty Therapist policies, so if something does go wrong in the treatment room, you’ll still be covered by us. That’s a little less worry for you, and a bit more time you can spend doing what you love.


N.B. For radio frequency & cavitation insurance,  you need to take out a Salon Gold Beauty Salon or Beauty Therapist insurance policy and add radio frequency or cavitation 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.

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?

Freelance & mobile beauty 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 beauty 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.

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 2677 Reviews
Read all reviews »

Fast easy and covered straight away at a great price !!

on Sep 6th

Not sure if Im Insured for everything i want to be, so need to speak to somebody

on Sep 5th

Really easy to set up no hassel

on Sep 5th
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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