Insurance for Beauticians
£1m Public Liability Insurance included as standard.
Protect your tools and business equipment with a range of optional extras.
What is Insurance for Beauticians?
Self-employed, mobile or running your own business, Churchill Expert can arrange cover tailored to suit your business needs. Beauty therapists are exposed to a number of daily risks especially when it comes to using chemical products and providing a service to members of the public.
Even with a loyal number of clients, your customer base is continuously growing, inevitably increasing the chance of a costly claim. A trip, spill or stain could result in accidental damage and injury to a client or their property where your business could be liable.
Public Liability Insurance will cover you in these instances should a customer decide to sue. Churchill Expert can arrange Public Liability Insurance through NIG who will cover £1m of the compensation claim as standard, with the option to increase this to £10m when you take out a quote. You'll also gain access to a 24/7 legal helpline once insured.
Optional extras
Can be added to your policy for an additional premium
Increase Public Liability cover up to £10m
Many larger clients will stipulate a minimum level of cover for professionals. Increase yours to £2m or £5m, or up to £10m (subject to criteria)
Employers’ Liability cover
You’re required by law to have employers’ liability cover if you hire anyone, including apprentices. Add up to £10m cover to your policy.
Tools & Business equipment cover
Add up to £10,000 cover for your tools and business equipment.
Business Stock cover
We can provide business stock cover up to £25,000
Personal accident cover
Insure named people (aged 16 to 75) working for the business
Treatment Liability cover
We can arrange Treatment Liability cover for a number of health, beauty, and wellbeing treatments. In the event that any of these beauty treatments cause death, bodily injury or loss or damage to a third party property where your business is found liable, you'll be covered for the same limit you selected for your Public Liability cover. Find out more about the treatments we cover and policy exclusions here.
Download Professionals Insurance policy documents
All of the policies we arrange are provided by NIG and are underwritten by U K Insurance Limited. Churchill Expert is a trading name of U K Insurance Business Solutions Limited who arrange and administer NIG policies. If U K Insurance Limited are unable to provide cover, they can refer you to an insurance broker who can help find a solution for you.