• Contents cover for your equipment, along with any furniture, fixtures, and fittings
  This is to cover the items within your business premises such as your chairs, sinks and furniture, and your equipment.
• Public liability insurance
  To cover you for legal fees and compensation costs should a client get injured in your home or premises or you inadvertently damage their property.
• Treatment risks cover
  To protect you against claims of injury, illness or allergic reactions caused by your treatments.
• Product liability insurance
  To protect you should a product you’ve used or sold causes injury, illness or property damage to your client.
• Employer’s liability insurance
  A legal obligation if you have employees, this covers you if your employee suffers injury or ill health as a result of your work.
• Personal injury cover
  To cover you should you become injured or unwell and be unable to work.
• Buildings cover
  This is to cover your work premises, whether it’s a salon or your home.
• Business interruption insurance
  To cover your lost income or expenses to resume operations should your business have had to unexpectedly close.

As a beauty therapist, you will work very closely with your customers, often administering highly specialised and delicate treatments. No matter how careful you are, accidents can happen. And if they do, it can lead to disputes, reputational damages, and costly legal fees and compensation payments.

Comprehensive beauty therapist insurance can give you full cover should a client ever make a claim against you, for whatever reason. Also bear in mind that, if you employ any staff in your salon or beauty parlour, then you have a legal requirement to get employer’s liability insurance.