Beauty therapist insurance
It's such a relief to have cover for a slip on the floor, a hacker plundering your email list or even that once-in-a-lifetime mistake during an invasive aesthetic treatment. Some might even call it a thing of beauty.
Why choose Superscript for your beauty therapist insurance?
Pick the covers you need, leave the ones you don't, with limits customised to your business.
Contact our UK-based, in-house customer service and claims teams, if you need to.
Make adjustments to your insurance at any point, with no fees to tweak your policy.
What insurance do beauty therapists need?
Superscript's treatment insurance can cover your liability while performing a large range of both invasive and non-invasive beauty treatments.
We cover specialist aesthetic treatments that come with unique risks, including:
- Injectables (including Botox, dermal fillers and mesotherapy)
- Micro-needling and microblading
- Vacuum therapy and freezing therapy
- Intense pulsed light (IPL) treatments and laser treatments
- Plus many more (see the full list)
Treatment liability insurance also automatically covers a wide range of general beauty treatments, including:
- Hair extensions
- Body wrap treatments
- Eyebrow shaping
- Manicures and pedicures
- Spray tanning
Our treatment insurance can offer up to £5m of cover if a client is injured as a result of one of the beauty treatment you provide.
Public liability insurance
While treatment cover (see above) is what you need to be protected for injuries caused by the beauty treatments you perform, your policy will also include public liability insurance.
This can cover your legal and compensation costs in the event that any member of the general public (including customers, but not your employees), takes legal action against you for injury or property damage caused by anything other than the treatment itself, such as a slip or a trip in your salon.
Simply choose from £1 million, £2 million or £5 million of cover.
From massage tables to specialist acupuncture equipment and from an ear piercing gun to hairdressing gear, many beauty therapists rely on their equipment day in, day out.
Business equipment insurance can cover the cost to repair or replace accidentally damaged, lost or stolen equipment, including portable electronics such as your work laptop or phone.
Simply choose your cover limit from:
With a single item limit of £2,500.
Employers' liability insurance
If you employ a team, employers' liability cover is a legal requirement for most businesses in the UK that employ staff - regardless of whether your team is made up of temporary or part-time staff.
Our employers' liability insurance offers £10m of cover as standard to pay your legal and compensation costs in the event that an employee is injured and makes a claim against the business.
Personal accident cover
Personal accident insurance can pay compensation of up to £10,000 if you or an employee of your business (under 75 years of age) suffers an accident resulting in loss of sight, hearing, speech or a limb, death or leaving them disabled and permanently unable to work.
You may be surprised to see this one on the list, but cyber insurance is relevant to any business that stores personally identifiable information.
As a beauty business, you'll likely store information about your clients in your database, such as names, email address and even birth dates. This could make you the target of data theft, or result in someone accidentally breaching GDPR legislation by sending out a company email to people who haven't officially opted in to receive them.
What isn't covered by beauty therapist insurance?
We'd love to be able to cover every situation an aesthetic beauty therapist might encounter but, as with all insurance policies, there are some things we cannot cover:
- Any legal liability arising in connection with facial skin needling involving Lipostabil, Flabjab, Lipomelt, Liposdissolve, Fat-Away, Aqualyx, Essentiale, Cellfina or Celluerase
- Any expenditure involved in recalling or making a refund for goods or materials supplied
- Tattooing or sunbed treatments where the customer has not signed a consent release document
- Any legal expenditure connected to prescribing any prescription-only medication to any client under the age of 18
- Any legal liability in connection with any condition associated with HIV or AIDS.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
Meet our claims team
This is Laura, a qualified insurance lawyer and our Head of Claims here at Superscript. Hi, Laura!
If you are making a claim for damaged or stolen equipment, then Laura and her team will ask as little as six quick questions, such as 'how was the item damaged?' and 'do you have proof of purchase?'.
With those questions answered, they can then begin to resolve your claim and send your payment for processing that very same day!
If your claim is for legal or compensation costs, then the team will handle the process for you and keep you updated every step of the way.
Beauty therapist claims
The way people offer treatments – and the environment you're offering them in – is different from person to person, meaning the types of accidents and claims you could experience will differ, too. But here are a few examples of claims where the business could be liable.
A customer suffers a serious allergic reaction to a product used during a dermal filler injection and is hospitalised. Treatment cover can cover your legal and compensation costs.
An injured employee
An employee accidentally trips over a wire that was on the salon floor, hurting their back and they make a claim against your business. Employers' liability can cover your legal and compensation costs.
A break in
A burglar breaks into your salon at night through the locked door, stealing your work laptop that you use to manage your bookings. Business equipment cover can pay to replace your gear that was taken.
How do insurance claims work for beauty therapists?
The below is a good guide to the process and timescales you can expect when you need to make a claim under your policy.
If you’re ever unsure whether you can or should claim, it’s best to get in touch and we can let you know.
Notify us of the claim
Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.
A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.
We'll get on the case
We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your claims reference and contact information should you need to speak to us.
We will then reach out to you within 48 hours to request any extra information we need to progress your claim.
We’ll keep you updated on the next steps as the claim progresses.
A decision is made
We’ll let you know if your claim is successful or not. If your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.
If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.
Say hello to 5-star customer service
Meet Trevor, a key player in our UK-based customer support team. We think he's been absolutely smashing it, and the reviewers of Trustpilot seem to agree.
Emailed to change payment details. Rapid response from Trevor with a link to change it. Took minutes to do. Great customer service Trevor. Thank you
Emma Butler, 30 May 2023
Great service and a fair price too. I experienced superb support from Trevor and would recommend this company
Saffron Archer, 1 March 2023
Beauty therapist insurance FAQs
The cost of your insurance premium will depend on a number of factors, including:
- Which treatments you offer
- Your annual turnover
- Whether you employ anyone and, if so, how many employees you have
- The combination of covers you choose to include
- The limits you select
While most insurance is optional rather than mandatory, most self-employed professionals opt for public liability at the very least, as an accidental injury to a client could result in devastating costs.
Most insurance is optional rather than mandatory. An exception to this is employers' liability cover, which is a legal requirement for most UK businesses with employees. Despite this, the majority of businesses that have lots of contact with clients consider public liability an essential, as many would be unable to afford an uninsured claim.
Yes, our public liability insurance can cover mobile beauty therapists. However, we are unfortunately unable to cover any mobile tattoo artists.
No, beauty treatments are not covered by public liability insurance. The treatments you offer can be covered by treatment liability cover.
Public liability insurance (which is included along with your treatment liability cover) can cover your legal and compensation costs in the event that any member of the general public (including customers, but not your employees), takes legal action against you for injury or property damage caused by anything other than the treatment itself, such as a slip or a trip in your salon.
The content on this page was updated on 14/08/2023 and applies to policies first purchased on or after this date. If you have an existing policy bought prior to this date, please see your policy documents for specific details of your cover.
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