Posted on: 30 December 2019 (updated on 23 April)
Making sure your business is protected
The hair and beauty industry is one of the fastest moving in the UK, with new treatments and styles becoming popular with every changing season. The insurance industry has to also move quickly to be able to provide insurance protection for new treatments on offer.
There are many standard hair and beauty policies on offer which outline the kinds of treatments that can be covered. However, some niche treatments may require a more specialist insurance policy. We have taken a look at some hair and beauty treatments, both traditional and modern, that may need specialist cover.
What treatments should be covered?
When you approach an insurance provider for a quote, you will need to provide a business description. To ensure that you will be covered to perform basic treatments, you should ensure that this description is as accurate as possible. Having an accurate business description will allow your insurer to offer the correct insurance cover for the treatments you undertake in your salon.
The cover may vary depending on your insurer, but whether you are a salon based hairdresser or barber or a mobile hairdresser or mobile barber, it is almost certain that you will be covered for cutting hair under your policy.
What may require a treatment cover extension?
There will likely be an insurance product to cover you for the following treatments; however, you should get in touch with your broker or insurance provider to ensure you meet the criteria to carry out the following procedures.
Whilst a hair colouring treatment is likely to be covered under a public liability policy for damage to customers’ clothing or possessions, it may not cover personal injury caused by the chemicals used in this kind of treatment.
Revisit your insurance policy to find out what you are covered for or contact your insurer or broker if you need to find out if you are protected. You may even need to explore an insurance policy that covers additional treatments.
A typical insurance policy will usually insist upon you performing patch tests, and recording that you have done so.
Brow lamination and Lash Lifts
These procedures use similar products and a prior skin test will be essential for a brow lamination to test if a client has any reactions to the dyes used for the treatments.
The process of brow lamination starts with brushing the hair in the same direction, coating them in a solution and covering in cling film then waiting until the solution sets. When the solution has set, the residue is wiped away and the eyebrows are shaped and a final coating of the solution is applied to keep the hairs in place. The treatment is semi-permanent and can last up to a month. The Lash Lift is also carried out by combing eyelashes into the desired position and coating in an adhesive solution which holds the lashes in place. More layers of the adhesive may be applied throughout the procedure which will further hold them in place.
As both of these procedures are relatively new, you may need to get in touch with your insurance broker or provider to discuss the treatments to ensure you will be covered under your insurance policy as you may need to provide evidence of the training and any qualifications you and your staff have.
Dermaplaning is a beauty treatment which has also become popular in recent years. Also known as face peeling, the treatment made its way onto Instagram, where there are over half a million posts on the subject.
Dermaplaning is the act of using a sharp blade to scrape away dead skin cells and face fuzz. The treatment has benefits such as allowing products to penetrate the skin better, gives smoother skin, reduces acne scarring, and removes hair that may trap dirt and oils.
The Association of Beauty Therapy provides training on Dermaplaning and recommends that students must be Level 3 Beauty Therapy trained. However, this isn’t an essential qualification to carry out the treatment. To be covered by your insurance, most insurance companies will ask that you have the Level 3 qualification and the ABT accredited manufacturer’s training certificate in place.
Whilst skin pigment inking has been practised around the world for thousands of years, microblading as a treatment for eyebrows is a relatively new treatment being offered in beauty salons. Microblading is a semi-permanent procedure that is performed on eyebrows to give them a fuller appearance, and as such, is unlikely to be covered under a regular public liability policy.
This type of procedure is similar to a tattooing procedure, and may need specialist cover to ensure that you are protected against a claim should anything go wrong. Insurers will typically require the insured to have completed an accredited Microblading course, as well as being able to meet local authority regulations.
What is not usually covered as standard?
Most insurance companies will not offer tattooing insurance as standard within a hair and beauty policy, and instead will likely offer their own specialist tattoo artist insurance product if available.
Tattoo removal treatment is also likely to be excluded from your policy as standard.
Teeth whitening treatments can be performed at beauty salons. However, you must have a qualified professional perform the treatment who is registered with the General Dental Council. If you are found to be offering teeth whitening treatment illegally you could be prosecuted.
Because this treatment requires specialist training and registration, it is unlikely that any hair and beauty insurance policy will cover you for this kind of treatment without prior agreement with your insurer.
Insight from the expert
We spoke to Emma Harvey, Salon Owner of Spa Butterfly and the Spa Butterfly Academy of Beauty Therapy in Wigan, who spoke about how important insurance is to her and her business.
“Having been in the Beauty Therapy industry for 27 years, I see insurance as an investment that offers peace of mind to both myself, my staff and my clients. Having a comprehensive insurance policy ensures I can deliver the highest standard of beauty treatments knowing that my staff and clients feel well protected whilst performing or undergoing treatments at my salon.
The Beauty Therapy industry is a fast moving and innovative environment, so bespoke insurance products are essential in allowing me to carry on doing what I love, knowing that I am covered.”
Hair and Beauty insurance with Premierline
Insurance can be difficult to arrange for your business, especially if you’re not sure what you’re looking for. The huge range of ever-changing treatments also makes it difficult to know what kind of hair and beauty insurance you need for your business, which is why using an insurance broker, like Premierline is so beneficial.
At Premierline, our insurance experts are trained to assess your business’ needs and arrange a bespoke insurance package that covers your business for what you need. Get in touch to speak with one of our insurance advisors who will work with some of the UK’s most well-known insurance providers to find you the right cover for the right price.
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The information and tools contained in this guide are of a general informational nature and should not be relied upon as being suitable for any specific set of circumstances. We have used reasonable endeavours to ensure the accuracy and completeness of the contents but the information and tools do not constitute professional advice and must not be relied upon as such. To the extent permitted by law, we do not accept responsibility for any loss which may arise from reliance on the information or tools in our Insight Hub.