Whether you are self-employed, mobile, or a limited company, it’s important to get the right cover in place for your hair or beauty business.
You’ve qualified, researched the market, and come up with a great beauty business idea. Now you’re thinking of starting your beauty business, whether nails, lashes, massage, hair, makeup or otherwise. But where do you start when it comes to beauty insurance?
We guide you through some of the basics to help you get started.
Where do I start with hair or beauty insurance?
Beauty is an increasingly competitive marketplace. It’s important to have your certification and insurance information available for your clients to review prior to booking appointments.
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Listing your credentials on your website or social media channels is also important. It reassures your clients that you are a true professional and being fully insured illustrates that you have their best interests at heart from the outset.
You’ll also need to know what equipment you have (and create an inventory for insurance purposes), whether you store your tools-of-the-trade in your car, plan to be mobile, work from a salon or even work from home.
You’ll need to decide whether you are classed as self-employed or a sole-trader, or are intending to, or have formed, a limited company.
The difference in being self-employed and a limited company could impact on your insurance premiums. This is because you will be classed as an employee of your company and will have the ability to make claims against it. In this instance, you will need Employee’s Liability insurance, which is required by law in the UK.
Do I need Public Liability insurance for my beauty business?
While Public Liability is not a legal requirement, it is highly advisable, particularly in the beauty industry.
Compensation claims can creep into the tens, sometimes hundreds of thousands of pounds! Would you be able to defend a claim, and pay the compensation yourself? Consider these scenarios:
A client has an allergic reaction to one of your products
You spill bleach on a client’s item of clothing, or their carpet at home if you are mobile
A client trips over a cable or slips in a puddle of water
You accidentally nick your client with scissors or a blade causing an injury
What insurance do I need as a self-employed lash technician?
We would advise Public Liability insurance as an essential part of your toolkit. When you are working with glues and sharp pointed tweezers it can increase the risk of injuries, or even allergies, to your client.
Treatment Risk insurance is an enhanced aspect of Public Liability insurance and covers you if one of your treatments injures a client.
What insurance do I need to start a microblading business?
Brows are a big trend and booming business. However, it’s important to know that any type of permanent makeup requires specialist cover, in addition to ‘non-invasive’ beauty treatments you may also offer as part of your business, such as facials or lash extensions.
Does Beauty insurance cover aesthetics, such as Botox™ and fillers?
More invasive cosmetic treatments, such as Botox and fillers, will require Medical Malpractice cover. This is essential cover to protect you in the event of a claim from a client, should the worst happen.
If you include these procedures as part of your service, we can help advise you on the best insurance package for your beauty business.
Will I need separate insurance for wedding beauty services?
It can be a wonderful experience to be part of someone’s special day, and a great way to build up some images for your portfolio. However, as a beauty business owner, you will also know that it can come with a range of additional risks.
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