Student Insurance by industry experts
Nobody starts out being the best at anything, and every new skill takes practice and patience to perfect. As a student, training to hone and master your craft, you’re committed to pursuing your passion. However, as much as you are enjoying your studies, it’s important to remember that accidents are a part of life, and rather than waiting for one to strike, you need to be prepared and protected with the right insurance cover.
Whether you’re training to become a hairdresser, a nail technician or a beauty or holistic therapist, we have a specialist policy, tailored to your requirements as a student in your sector. And if something goes wrong, such as a customer having an adverse reaction to a product or suffering a burn, you won’t have to worry about compensation claims and expensive legal costs!
We’d love to welcome you to the Salon Gold community. Join us today if you meet these conditions:
- You must only offer treatments or therapies that you have been trained in, and you must be deemed competent to practise them by your school.
- You must be under regular supervision.
- You must make it clear to your clients in advance that you are not fully qualified.
- You must charge less than the full rate.
What Do You Get With Our Student Insurance?
We provide all the cover you need to practise on fellow students, friends, relatives and members of the public for case studies or other work as part of your course. You are also protected everywhere in the UK, guaranteeing peace of mind whether you’re working at home, at a client’s property, or at your college.
To ensure that you have all the student insurance you need, we include a number of covers in your policy as standard to safeguard you against the unexpected. If a client or member of the public sustains an injury as a result of your work, for example if a client trips over your case, your public liability insurance cover would step in. It would also pay out for property damage, such as accidentally spilling coffee over a laptop at a client’s home. However, this doesn’t provide compensation for mishaps arising from professional treatments or therapies you carry out, so we automatically provide treatment risk insurance or malpractice insurance for that. Which of these two covers you receive depends on which one is more appropriate for what you do. For example, if you are training in hairdressing you would get treatment risk, whereas a trainee holistic therapist would have malpractice. Products liability and financial loss insurance are also included as standard.
Please note that we can only cover students undertaking an accredited course related to any of our automatically covered treatments. We are unable to cover students on courses associated with any of the optional treatments on our list.*This price is for a £1m public, products and professional treatment risk liability cover (or malpractice cover) and £10k financial loss cover for a student. 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?
Find out which insurance policy is right for your business by clicking below.
Our Student Covers
For Salons & Fixed Premises
- Business interruption »
- Contents cover »
- Employer’s liability »
- Exhibition Cover »
- Failure of electric, gas & water supply »
- Failure of telephone line »
- Glass cover »
- Goods in Transit »
- Legal expenses cover »
- Money cover »
- Personal accident for hands »
- Products liability »
- Professional Treatment Risk »
- Public liability »
- Stock cover »
- 24 hour crisis & legal helplines »
Our Student Treatments
Cover provided by Sub-Section Public Liability and Products Liabiity extends to include Students to cover case study work provided that:
- You must be competent to practice by your school and not practice outside the scope of what you have been taught
- Regular supervision and/or on-going case consultation/review for such case studies must be in place
- Students must declare to clients/patients in advance that they are not fully qualified
- Any fee charged must be evidently lower than an experienced and qualified therapist would charge
"Will qualifications affect my insurance?"
Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide
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!
Student Beauty Therapist Insurance FAQs
Student Beauty Therapist Insurance FAQs
Why do students need insurance?
Student insurance is essential for anyone working towards a qualification in the hair, beauty or holistic sectors. If you practice a treatment on a real client during your studies, your student insurance will provide you with protection if your work causes them accidental injury. Without this cover, you will be fully liable for any compensation owed to that customer.
What does student beauty therapist insurance cover?
Student beauty therapist insurance is essential for any student studying for a beauty therapist qualification. If, as part of your course, you need to undertake case study work or practice on real clients, your student insurance will protect you in case you cause an injury to a customer. Without student beauty therapist insurance, you will be liable to pay any claims for compensation from a injured model/customer.
How much does student insurance cost?
Our student insurance can start at less than £35 a year, but the price you pay depends on your individual circumstances, the sector you’re training in, and any optional covers you add. To get a sense of the cost, get your free Salon Gold quote now.
Why does Salon Gold offer such a comprehensive student insurance package?
Training to become qualified in something you love is very exciting, and you may not be thinking too much about the things that could go wrong — especially when you’re new to the field. That’s why we do the heavy lifting for you. Instead of letting you ponder over the covers you may or may not need, we provide a comprehensive policy that includes everything you require as a student, while giving you the option to add extra protection if you wish.
Student Insurance Related Articles
Easy and fuss free sign-up! Got my business insured within minutes!
Very easy to navigate and check you have correct cover and very good value
Easy to follow with help if unsure. Excellent web service.