What Insurance does a Hair & Beauty Student need?

As a hair and beauty student, you’ll be dealing with people all of the time, and will be taking responsibility for their safety while you are performing treatments on them. While you will be taught the right way to do things, occasionally mistakes happen. Therefore, you need hair and beauty student insurance to protect yourself from the consequences of these mistakes, helping you to minimise the costs and other negative effects, and giving you peace of mind that if a mistake occurs, you can deal with it quickly and then move on. Here is a list of insurances that a hair and beauty student needs.

Liability insurance

This type of insurance serves to cover you if a client or anyone else makes a claim against you. There are two main types of liability insurance you need to consider as a hair and beauty student.

The first is public liability insurance, which covers the costs of claims against you. While this is not a legal requirement, it’s not uncommon for the combined total of compensation claims and legal fees to reach the £100,000 mark, so this insurance really should not be viewed as optional.

Treatment risk insurance is also a type of liability insurance that hair and beauty students really shouldn’t be without. Because public liability insurance excludes claims made from professional activities, and most of the treatments hair and beauty students perform count as professional activities, without treatment risk insurance, if something went wrong during a treatment and they didn’t have this insurance, they wouldn’t be covered. Treatment risk insurance seeks to bridge this gap in cover to keep hair and beauty students protected, no matter what happens.

Personal accident & sickness insurance

This insurance protects you if you find yourself unable to work because of sickness, or if you have been injured, both of which can be common within the hair and beauty industries. Generally speaking, this insurance will offer you a weekly benefit while you are off work on a temporary basis, and will even offer you a lump sum if you find yourself unable to return to work.

Legal expenses insurance

This is a catch-all insurance that serves to cover your legal costs if you become involved in any type of legal action. Not only will the insurance cover your fees, but the insurer will also provide you with help and assistance with regards to the legal action, in order to help you achieve a satisfactory outcome overall.

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Dean Laming

Dean Laming is a Chartered Insurance Broker with more than 25 years insurance experience. Through various underwriting, operational and management roles, Dean has built up extensive knowledge of the hair and beauty sector and is now Managing Director of Salon Saver, part of the wider Henry Seymour Group.

All articles by Dean Laming