Your guide to insurance as a self-employed Beautician

The establishment of your own beauty company is a considerably exciting time in your business venture. Working with an array of clientele will expose you to a diverse range of treatments and progressive possibilities; with the potential to turn over a mass profit! As with any business, individuals need to be prepared for and protected against any unexpected financial loss from injuries or damage - the beauty industry is no exception.

Business insurance, a form of risk management, is used to protect individuals from the expense of accidents or misfortune. Much the same as those with insured vehicles, beauticians can purchase unique policies that will state what they are and are not protected against.

Why do I need insurance for my beauty business?

The invasive nature of beauty treatments means there is always the potential for accidents to occur; without a quality insurance policy, you may find yourself at a financial loss or even in violation of the law.

Fortunately, there is a diverse range of credible insurers to choose from for your beauty business. Policies can be tailored as your business grows - for example, if you now service customers using newly purchased, specialist equipment. Building the ideal cover for your company will instil confidence, into yourself and any employees, that you are protected should the worst happen. Being inadequately insured has the potential to ruin both your business and your reputation, particularly as protective policies are not as expensive as you may initially think.

The different types of Beautician insurance

Regardless of if you’re freelance, mobile beauty therapist or self-employed, depending on which insurers you are comparing, you will see prospective insurance cover for the following beautician specialisms:

Aesthetic Practitioner Makeup Artists

Salon owners Hair colourists and stylists

Holistic Therapists Nail technicians

Please note that Salon insurance is a legal requirement, this can be more complex as you will be encountering more members of the public and administering business equipment, which can lead to personal accidents. The business premises of a beauty salon will require public liability insurance and employers liability insurance

If you are going to be offering any of the following treatments (or more!), you ought to include them in your insurance enquiry:

Manicures Pedicures

Eyelash tinting Eyebrow shaping and threading

Facial massage Skin cleansing

Waxing Ear piercing

Makeup Aesthetics

What if I remain uninsured?

For salon owners, they must have insurance to be allowed to practice - without a policy, they are breaking the law. Accidents occurring under the supervision of an uninsured beautician can also be fatal to their reputation going forward.

When looking for the ideal policy for your business, you must be honest and inclusive of all services. For many insurers, mitigating factors of someone searching for a policy includes if they offer additional treatments such as; piercing, permanent make-up or sunbed tanning. If misfortune was to occur for something your policy does not cover, your insurance provider will not be able to help.

As with any insurance policy, be sure to scrutinise the coverage to achieve the best beauty therapist insurance for you! Although the administrative aspect of establishing your own business can be overwhelming, remember that this is an incredible experience! Once you get the beauty ball rolling, protected under the perfect insurance policy, you are free to dominate the industry.

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