Beauty Therapist Insurance

If you have employees, you’re legally required to have employers’ liability insurance. This can be included in your policy and covers you if an employee is injured or becomes ill as a result of working for you.

We offer up to £5 million in public liability cover. The amount you need may depend on your specific business activities and any contractual requirements. Consider the maximum possible loss your business could face in the event of a claim.

Product liability is included in your policy. This covers you if a product you’ve sold or used causes injury or damage, subject to policy limits.

Yes, our policy covers mobile hairdressers. You’re protected while working at clients’ homes or other locations, and your equipment is covered during transit.

We can cover the following activities as standard under our Hairdressing Insurance policy:

The use of:

– Clippers/trimmers and cut-throat razors
– Electrical equipment such as curlers, straighteners, hairdryers and tongs

The application of:
– Bleaches, dyes, perms and tints
– Hair extensions (subject to you being qualified for the extension method you are using)
– Nail polish (including the application of acrylic coatings, cutting and shaping of nails), false eyelashes and semi-permanent eyelash extensions
– Tooth jewellery

The activities of:
– Ear piercing using a gun and stud
– Eyebrow plucking (including threading and waxing), shaping, dyeing, tinting and perming including semi-permanent mascara
– Washing, cutting, styling and drying of hair

If your chosen treatment is not listed, just get in touch and speak to one of our friendly advisors to see if we can cover you.

We do not need to see proof of your qualifications for you to be able to take out our insurance. We do, however, require you and any employees to hold the relevant qualifications or certificates for the services you are providing. Please note, that we do not accept qualifications that are obtained by a method of remote learning (e.g. internet-based training courses). If you need to make a claim on your Hairdressing Insurance policy then we may request to see these documents. Should we discover that you are not qualified to carry out the insured activities, we may reject your claim.

No, this is something that is not covered. Our policy is designed to cover Liability issues, such as injury to a third party, such as a customer, or damage to their property. For example, our policy would cover a mobile hairdresser if they were to burn a client’s scalp with curling tongs, or with an erroneously applied bleach.

You would need to do a patch test at least 24 hours prior to using a product on a client for the first time and follow the manufacturer’s instructions. However, if the manufacturer states that patch testing should be done more regularly, or each time that a product is to be used, then you should adhere to those instructions.

Yes, our Equipment Cover benefit includes protection for things such as styling products, treatment items and other stock you may use or sell in your salon. Like your specific hairdressing equipment, it is covered against loss, theft and damage up to the value selected on your policy. We even provide £250 worth of cover free of charge with every policy taken out.

If you include Employers’ Liability on your policy, we can provide cover for students as long as they are supervised.

If your equipment requires repair or is deemed to be broken and you have a valid claim, we will cover the costs of hiring new equipment to replace it while the original item is being replaced, or until your claim is settled, whichever is soonest.

No, we only provide cover for the items you use to provide your insured treatments, such as scissors, clippers, salon chair and razors.

No, our Therapist Insurance policy will only protect those who qualified in their chosen treatments. The qualification must be obtained by an accredited awarding body.

No. You will only need to produce your qualification certificate(s) in the event of a claim. When you purchase your insurance we will ask you to declare that you have a suitable qualification for the activity that you require cover for.

Yes, it’s advisable to have insurance from the moment you start practicing. Our policy covers you for claims made during the period specified when taking out the policy, arising from any act, error or omission occurring on or after the retroactive date specified in the policy schedule. This protects you from potential claims right from the start of your career.

Yes, our insurance covers you regardless of where you practice – whether it’s from your home, in a rented space, a salon, or as a mobile therapist visiting clients. Our policy refers to this as your “Business Venue,” which includes purpose-built venues where you have permission to undertake business activities.

Yes, you can add or remove therapies to your policy. Should you wish to make modifications to your insurance for your massage therapy business, please contact us to add or remove therapies from your existing policy. Any changes may affect your premium.

Yes, our insurance policy covers you while working in connection with your business, which would include events or exhibitions. However, if you’re organising the event itself, you might need additional event insurance.

Yes, as long as you’re practicing massage therapy as part of your declared business, you should have insurance for massage therapists, regardless of how often you work.

Equipment coverage is available as an optional add-on. If selected, it covers accidental loss, damage, or theft of your business equipment up to the limit stated in your policy schedule.

You’re only covered for therapies you’re fully qualified in and have declared at the time of purchase. If you’re still studying, you’re not covered to practice that therapy professionally until you’re qualified. You can add new therapies to your policy once you’re certified.

If you’re taking an extended break, you may need to cancel your policy. However, be aware that any claims made for past work would not be covered once the policy is cancelled. It’s best to contact the insurer to discuss the best option for your situation.

Our standard policy covers you for in the United Kingdom. If you need coverage for work abroad, you should contact the insurer to discuss international coverage options.

First, ensure the client receives appropriate medical attention. Then, contact Peach PI on 0330 3141 592 as soon as possible to report the incident. Your policy may cover claims arising from such situations, provided you’ve followed proper procedures like patch testing.

Yes, it’s important to keep us updated about any changes to your qualifications or the treatments you offer. This ensures you’re properly covered for all your activities.

Yes, the public liability portion of the insurance typically covers accidental damage to client property. This is particularly important for mobile technicians working in clients’ homes.

Yes, our nail tech insurance is designed to cover you regardless of where you work – at home, in a client’s home, or in a dedicated salon. The coverage is tied to you and your business activities rather than a specific location.

The cost varies depending on the level of cover and your circumstances. Policies typically start from around £40 per year but can be more if you add optional coverages.

Yes, insurance is important for nail technicians. Without proper coverage, your business would be responsible for legal costs and compensation if a client takes action over an incident before, during, or after a treatment.

As a nail technician seeking insurance coverage, you must hold relevant qualifications from industry-recognised course providers. This requirement applies to all insured activities and treatments that you offer in your practice.

It’s important to note that not all types of qualifications are accepted for insurance purposes. Specifically, remote learning qualifications, such as those obtained through internet-based courses, are not recognised under our policy. We believe that hands-on, in-person training is essential for developing the skills necessary to perform nail treatments safely and effectively.

While we don’t typically ask for proof of qualifications when you purchase your policy, it’s crucial to maintain accurate records of your certifications. In the event of a claim, you may be asked to provide evidence of your qualifications. This helps us ensure that all covered treatments were performed by a properly trained professional. Keeping your qualifications up to date and readily accessible can help streamline the claims process if the need arises.

We do not need to see proof of your qualifications for you to be able to take out our insurance. We do, however, require you and any employees to hold the relevant qualifications or certificates for the services you are providing. Please note, that we do not accept qualifications that are obtained by a method of remote learning (e.g. internet-based training courses).

If you need to make a claim on your policy then we may request to see these documents. Should we discover that you are not qualified to carry out the insured activities, we may reject your claim.

Yes, up to a value of £250 (£75 excess) as standard. Should you require a higher level of cover because the value of your equipment exceeds £250, you can increase your cover during our online quote form.

Yes. Our policy is designed to cover freelance and mobile nail technicians. Any policy that you take out will cover you and your business, as opposed to a specific address. This means that you’re covered regardless of whether you are working at home, in a client’s home or within a dedicated nail salon.

No, our policy is designed to cover anywhere within the United Kingdom, Northern Ireland, Channel Islands, or the Isle on Man. There is no overseas cover available.