Protection When You Need It Most
Working in the hair and beauty industry can be pretty taxing. But when you’re self-employed, you have to juggle a whole multitude of things to keep your business running steady. Whether you’re a hairdresser, beauty therapist, make-up artist or nail technician, loving what you do makes all of this worthwhile, and it’s the smiles of your satisfied clients keep you going when things get rough.
But not all clients leave smiling. Sometimes, it only takes something as small as a client accidentally tripping over your bag on a home visit for you to find yourself saddled with a compensation claim you can’t afford to pay. And when it all goes wrong, you can’t help but think and wonder whether you could’ve protected yourself better.
That’s where we can help. At Salon Gold, we want to help all our hair and beauty professionals, whatever capacity they work in, keep their businesses safe. We include public liability insurance in every self-employed insurance policy we offer, to help protect against incidents like these, so one slip up doesn’t have to mean the end of your business.
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 the best price possible, which keeps us a step ahead of the rest.
No tricks. Just comprehensive cover when you need it most.
Which type of Salon Gold Hair & Beauty policy do I need?
Self-Employed Hair & Beauty insurance automatic covers
Public Liability
£3 million or £5 million
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:
- A limit of indemnity of £3 million any one claim (£1 million for students)
- An option to increase cover to £5 million any one claim (excluding students)
- Cover whether you work from a salon, a clinic, from home or on a mobile basis
- Cover to work anywhere in the United Kingdom, Channel Islands or the Isle of Man
- Cover for temporary (up to 14 days) work abroad (excluding the USA/Canada)
- Data Protection Act cover up to £250,000
- Defective Premises Act cover up to £3 million (£1 million for Students)
- Health & Safety at Work Act cover up to £100,000
- Cover for accidental damage to employees’ and visitors’ personal belongings
- Compensation for court attendance of up to £250 per day
Products Liability
£3 million or £5 million
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:
- A limit of indemnity of £3 million for all claims each year (£1 million for students)
- An option to increase cover to £5 million for all claims each year (excluding students)
- Cover for products supplied whilst temporarily (up to 14 days) working abroad (excluding the USA/Canada)
- Consumer Protection Act cover up to £100,000
Treatment Risk
£3 million
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:
- A limit of indemnity of £3 million any one claim (£1 million for students)
- Cover for injury to clients whilst carrying out treatments or providing treatment advice
- Cover whether you work from a salon, a clinic, from home or on a mobile basis
- Cover to work anywhere in the United Kingdom, the Channel Islands or the Isle of Man
- Cover for temporary (up to 14 days) work abroad (excluding the USA/Canada)
- Cover for a wide range of treatments included as standard
Financial Loss
£10,000 or £50,000
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.
Self-Employed Hair & Beauty insurance optional covers
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
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
“Silver” Package
Cover is available for Tax Protection with a limit of £100,000 in any one period of insurance. You will be covered for Tax and VAT investigations by HM Revenue & Customs and there is an excess of £250 in the event of a Formal Aspect Enquiry.
You will get 24 hour Legal and Tax Advice and a Counselling Assistance Helpline for use by you or your staff. You will also have access to Legal Document Max – a website where you can obtain legal documents for day to day issues.
“Gold” Package
This is a comprehensive legal expenses insurance package providing £100,000 of cover per claim (£1,000,000 in any one period of insurance) for the following:
- Employment Disputes
- Employment Compensation Awards (£1 million aggregate limit and £1,000 excess)
- Tax & VAT Protection (£250 excess)
- Property Disputes
- Compliance & Regulation – Prosecution Defence
- Employees Extra Protection – Employee defence in civil proceedings
- Legal Document Max – website to download legal documents
- 24 Hour Legal Advice & Tax Advice Helpline
- 24 Hour Counselling Assistance Helpline
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
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.
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.
Treatment ListTeacher 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!
Teacher CoverStudent CoverWe'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.
Useful Links For Freelance and Mobile Hairdressers
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