Hair & Beauty Insurance

The hair and beauty industry is very diverse. There is an enormous range of treatments available, from the simple manicure through to sophisticated techniques that are practically minor surgery, such as thread vein removal, and then there are other more esoteric practices bordering on alternative medicine. With such a wide variety of risks to cater for, and the sensitive nature of working on someone’s person, it is important that you get the right cover at the right price.

Our sole trader packages include public liability for up to £5m, and treatment risk covers for £1,000,000. Cover is available for all of the practices you would expect to find, and a few more, such as the following –

Hairdresser Treatments

•    hair dyeing
•    tinting
•    permanent waving
•    special treatments to the hair or scalp
•    pedicures
•    manicures
•    colouring
•    tinting
•    dyeing
•    perming
•    ear or nose piercing

Beautician Treatments

•    application of cosmetics
•    pedicures
•    manicures and nail extensions
•    facials including washes, cleansing, ionisation and steaming treatments
•    body wrapping
•    brushing and exfoliation
•    Alexander technique
•    foot, hand, head and facial massage using proprietary creams and oils including acupressure
•    Bowen technique
•    hot stone treatments
•    reiki
•    reflexology
•    hydrothermal massage and massage using mechanical or infra red equipment
•    bleaching of body hair
•    removal of hair by means of electrolysis
•    depilatory creams
•    galvanic epilation
•    eyebrow shaping
•    sugaring
•    threading
•    tweezing
•    waxing
•    eye lash shaping and tinting
•    biochemics
•    application of tanning creams, sprays and oils
•    ear or nose piercing using a stud gun
•    cellulite treatments
•    colour therapy
•    crystal therapy
•    thermo auricular treatment
•    glycolic acid peel treatment
•    light therapy
•    micro epidermal abrasion treatment and paraffin wax treatment

Our Retail packages, are also very comprehensive. They include many of the same covers as a general shop policy, but also include liabilities (up to £5m Public and £10m Employer’s), and treatment risk up to £2,000,000. Cover for the following types of shop are available –

Hairdressers
Beauticians
Nail Technicians
Tanning Salons
Tattooing / Piercing / Body Art