What is Beauty Salon Insurance?
Becoming a successful beautician isn’t easy: you need to spend years learning about the trade, gain qualifications and build up your client base and reputation. All of this takes a lot of hard work, and if you add the fact that you also have to keep up with new beauty products, techniques and treatments, it can feel like you never have a spare moment!
This is why here at Nova Insurance, we don’t just offer beauty insurance but also an easy-to-use online quote form that saves you time and money. Our beauty insurance policies are extremely flexible, which means that if you choose to learn a new skill or want to offer further services to your clients, our policies won’t hold you back.
If you are self-employed or own a beauty salon, we are able to offer you a bespoke policy that can protect your business (beauticians’ insurance) if something goes wrong, which is always important if you are working with the public on a daily basis. Whether you run a nail salon, beauty salon or a mixture of both, we can help you find cover that will protect your business, keep you working, and ultimately help your hard work pay off! Get your beautician’s insurance quotation today.
What Does Beauty Salon Insurance Cover?
A beauty salon policy from Nova brings together the covers a treatment business genuinely needs. You can shape it around the treatments you offer, whether you run a busy high street salon or work on your own, and the options below are the ones most beauty businesses rely on.
Public Liability
This protects you if a client or visitor is injured, or their property is damaged, because of your business. A slip on a wet floor, or a reaction noticed in the salon, are the kinds of claims it answers.
Treatment Liability
Also known as treatment risk, this covers claims that arise directly from a treatment you carry out, such as a burn from a wax or an adverse reaction to a facial. It sits at the heart of any beauty policy.
Product Liability
If a product you use or sell on causes harm, such as an allergic reaction to a cream, this cover meets the cost of the claim and your legal defence.
Employers Liability
If you employ anyone, even on a part time or casual basis, this cover is a legal requirement. It protects you against claims from staff who are injured or fall ill through their work.
Salon Contents and Stock
Your fixtures, furniture, equipment and stock of products can be covered against fire, flood, theft and accidental damage, so a single incident does not leave you out of pocket.
Business Interruption
If you cannot trade after an insured event such as a fire or flood, this cover replaces lost income and helps with ongoing costs while you get back on your feet.
Cover Options Worth Adding
Beyond the core covers, many beauty businesses choose to add one or more of the options below. We will talk through which make sense for the way you work.
Personal Accident
If you are injured and cannot work, whether at the salon or away from it, this cover can replace lost income and help with medical costs while you recover.
Money
This protects cash taken in the salon or on the way to the bank against loss through theft, and can include compensation if you are assaulted during a robbery.
Commercial Legal Expenses
This meets the legal costs of many business disputes, from employment matters to tax investigations, and usually includes access to a legal advice line.
Tools and Portable Equipment
Cover for the tools and portable equipment you rely on, protecting them against loss, theft or damage whether they are at the salon or with you on a mobile visit.
Buildings
If you own your premises, buildings cover protects the structure, along with fixed glass and signage, against insured events such as storm, fire and flood.
Cyber
If you take bookings or hold client details online, cyber cover helps you respond to a data breach or an attack on your systems, including the cost of putting things right.
Why Nova Insurance for beauty salon insurance?
Where you buy your cover matters as much as the policy itself. A broker who understands treatment risk, and how a salon runs day to day, will make sure nothing important is left out. Our UK based advisers are available six days a week, and because we use 0800 numbers your call is completely free.
Do you understand the risks a beauty salon faces?
Our advisers arrange cover for salons, beauticians and mobile therapists every day, so they know the treatments, tools and situations that lead to claims. We match the policy to the treatments you actually offer rather than a one size fits all package.
Can you cover the specific treatments I offer?
Yes. Cover is built around your treatment list, and we simply need to know that you are trained and qualified for what you do. If you add new treatments later, we can adjust your policy so you stay protected.
What happens if a client makes a claim against me?
We stay with you from the first call through to settlement. Our claims team handles the insurer, manages the paperwork and keeps you updated, so you can carry on looking after your clients while the claim is dealt with.
The Risks a Beauty Salon Faces Every Day
A beauty salon looks calm, but it carries a surprising number of risks. You work closely with clients, use heat, chemicals and sharp tools, and hold valuable stock and equipment on the premises. Any one of these can lead to a claim that is costly to settle without the right cover.
Reactions and treatment claims
Even with training and patch tests, a client can react badly to a treatment or a product. Treatment and product liability respond to these claims, covering compensation and the cost of defending your reputation.
Slips, trips and visitor injuries
Wet floors, trailing cables and busy waiting areas make injuries to clients and visitors a real possibility. Public liability covers you if someone is hurt on your premises and holds you responsible.
Protecting your stock and equipment
Salons hold thousands of pounds of products, tools and furniture. Contents and stock cover protects all of it against fire, flood, theft and accidental damage.
Treatment and Product Liability Explained
These two covers are what set a beauty policy apart from a general shop policy, and they are the ones a salon is most likely to call upon.
What treatment liability covers
Treatment liability, sometimes called treatment risk, responds when a client is harmed by a treatment you carry out, such as a wax burn, a reaction to a facial or an injury during a procedure.
What product liability covers
Product liability responds when a product you use or sell causes harm, for example an allergic reaction to a cream or a fault in something you retail to a client.
Why your qualifications matter
Insurers need to know you are trained and qualified for every treatment you offer. Keeping your training records up to date helps your cover respond smoothly if a claim is ever made.
Who Beauty Salon Insurance Is For
Beauty insurance is not only for large salons. The cover follows the work you do, so it suits a wide range of beauty professionals.
Salon owners and employers
If you run a salon and employ staff, you can bring public liability, employers liability, contents and business interruption together in one policy that protects the whole business.
Self employed and chair renters
If you rent a chair or a room, or work for yourself, cover can be arranged just for you and the treatments you provide, without paying for risks that are not yours.
Mobile and freelance therapists
If you travel to clients, cover can follow you from place to place, protecting your treatments, your tools and your liability wherever you are working that day.
