Hair & Beauty Insurance

Public Liability

£3 million or £5 million

Public liability insurance covers accidental bodily injury by you or your business and also covers third party property damage (damage to posessions or property belonging to a client or member of the public while you are practicing).

Our freelance and mobile policy provides:

• A limit of indemnity of £3 million any one claim (£1 million for students)
• An option to increase cover to £5 million any one claim (excluding students)
• Cover whether you work from a salon, a clinic, from home or on a mobile basis
• Cover to work anywhere in the United Kingdom, Channel Islands or the Isle of Man
• Cover for temporary (up to 14 days) work abroad (excluding the USA/Canada)
• Data Protection Act cover up to £250,000
• Defective Premises Act cover up to £3 million (£1 million for Students)
• Health & Safety at Work Act cover up to £100,000
• Cover for accidental damage to employees’ and visitors’ personal belongings
• Compensation for court attendance of up to £250 per day

Products Liability

£3 million or £5 million

If you supply a faulty product to a customer that causes an injury or damages their property, they may try to sue you. Even if you have not been negligent, you may still be held liable for damages and injuries suffered as a result of products that you use or supply.

Our freelance and mobile policy provides:

• A limit of indemnity of £3 million for all claims each year (£1 million for students)
• An option to increase cover to £5 million for all claims each year (excluding students)
• Cover for products supplied whilst temporarily (up to 14 days) working abroad (excluding the USA/Canada)
• Consumer Protection Act cover up to £100,000

Treatment Risk

£3 million

This protects you against claims for injury or damage caused by the treatments you carry out. So if somebody suffers a reaction to a treatment you have carried out, you may be liable to pay compensation and this is where insurance cover is vital.

Our freelance and mobile policy provides:

• A limit of indemnity of £3 million any one claim (£1 million for students)
• Cover for injury to clients whilst carrying out treatments or providing treatment advice
• Cover whether you work from a salon, a clinic, from home or on a mobile basis
• Cover to work anywhere in the United Kingdom, the Channel Islands or the Isle of Man
• Cover for temporary (up to 14 days) work abroad (excluding the USA/Canada)
• Cover for a wide range of treatments included as standard

Financial Loss

£10,000 or £50,000

The public liability section of your policy will provide cover for third party injury and property damage caused by your negligence. But what if a client suffered a financial loss not caused by injury or property damage? Not a problem, we have included a valuable extension in our policies to ensure you are fully protected.

Also known as the Non–Injury Treatment Extension, your Salon Gold freelance policy will automatically provide cover if a client or member of the public suffers a financial loss as a result of work or a treatment carried out by you in connection with your business.

So for example, a client has a reaction to a treatment which did not cause an injury but turns their hair green or discolours their skin and they are unable to work as a result. They may not accept your offer of a refund and may not want you to rectify the damage. Instead, they may make a claim against you for their lost earnings. If the client’s loss of earnings was a direct result of your professional negligence, this extension will provide cover for you.

The standard limit under the policy is £10,000 but can be increased to £50,000 for an additional premium. There is a £1,000 excess (or 10% of the claim, whichever is greater) in respect of this cover.