Protecting Your Business From All Manner Of Treatment Mishaps
Working in the hair and beauty industry, you know there’s a lot that can go wrong when things get hectic. But unlike other professions, it’s not just slips and trips that can cause issues for you – it’s treatments going wrong and allergic reactions that are your primary concern. Whether you own a salon or run a freelance or mobile business, no matter how cautious you are, sometimes accidents can happen in the salon chair or treatment room and, when they do, you need to know you’re protected.
It’s because of accidents like these that treatment risk insurance was designed. Conventional public liability insurance doesn’t cover claims arising from professional services, which is a problem for hair and beauty professionals as many of the services you provide fall into this category. An extension of your standard public liability insurance cover, treatment risk insurance seeks to fill in the gaps of cover that public liability insurance leaves behind. It protects your business against claims for injury or damage caused by the treatments you carry out, making it a vital cover for anyone working in the industry.
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The Limits Of Treatment Risk Insurance: What Do You Get?
Our standard cover is:
- A limit of indemnity of £3 million for any one claim (or £1 million for students)
Our treatment risk insurance covers you whether you work from a salon, clinic, home or on a mobile basis, and protects you whether you work in the United Kingdom, Channel Islands or the Isle of Man. It also includes temporary (up to 14 days) cover for work abroad (excluding the USA and Canada), as well as cover for a wide variety of treatments as standard, and the option to add certain selected treatments for an additional fee.
Treatment Risk Insurance: Frequently Asked Questions
Will I automatically get treatment risk insurance with any Salon Gold insurance policy?
Yes! Every one of our policies includes treatment risk insurance as standard, however, it’s worth noting that if you have a Holistic Gold, Fitness Gold or Counselling Gold insurance policy, this cover will be replaced with malpractice insurance. To find out more about our malpractice insurance and what it covers, please visit our malpractice insurance page.
Does treatment risk insurance protect me from slips and trips?
Treatment risk insurance is for injuries or damage sustained through treatments only and it doesn’t include injury from slips and trips. They are, however, covered under public liability insurance, and this is included as standard with all our Salon Gold hair, beauty and salon insurance policies.
Do I really need treatment risk insurance if I’m only performing minor treatments (eg. cutting or colouring hair, giving manicures, doing spray tans, etc.)?
Yes, you do. Regardless of how advanced or otherwise the treatment you’re doing is, we would strongly advise taking out a treatment risk insurance policy. All it takes is one slip for you to accidentally cut a person’s ear or damage a client’s nails, and even a minor allergic reaction to a colouring or tanning product you’ve used could lead to a massive compensation claim. In order to best protect your business, we would caution any hair and beauty professional, regardless of which treatments they’re carrying out on a day-to-day basis, to ensure they have treatment risk insurance in place.
What if I have more than one occupation?
When you’re filling out our online quote form, you’ll be able to select up to 3 occupations. If you need any more than 3 of these to cover all the work you do, that’s not a problem – contact us directly and we’ll be able to arrange the cover you need. It’s absolutely essential you ensure your treatment risk policy covers all the treatments you provide, to ensure there are no holes in your cover and that you’re completely protected.