About this group
By using the collective buying power of group members, our goal is to negotiate cheaper business insurance for Beauty Therapists in the UK.
Why do Beauty Therapists need insurance?
The main reason Beauty Therapists buy insurance is to protect themselves against the financial consequences of being sued by a client for negligence or malpractice. Common causes of legal claims against Beauty Therapists include burns from laser or hot wax treatments, and allergic reactions to chemical peels or massage oils. A type of insurance called Professional Treatment Risk Insurance provides this protection.
Public Liability Insurance is typically included when buying Beauty Therapists' Professional Treatment Risk Insurance - this covers harm accidentally caused to a member of the public while at work. Product Liability Insurance, meanwhile, covers harm caused by a product sold by a beauty therapist to their client.
Beauty salons will also need to consider buildings & contents insurance for their premises and stock, and employer's liability insurance if they have staff (including freelancers).
How can I get Beauty Therapy insurance?
There are two options open to you as a beauty professional.
The first is to buy insurance directly from a commercial insurance broker such as Aon, or a specialist broker like Salon Gold.
The second is to register with a professional association, such as The Guild of Beauty Therapists or the British Association of Beauty Therapy & Cosmetology (BABTAC). Both of these organisations provide insurance as a benefit of membership, through partnerships with insurance brokers.
Do bear in mind that you can only join the Beauty Guild or BABTAC if you hold a recognized beauty therapy qualification, and the cost of membership is generally higher than the cost of a separate insurance policy as it also includes other benefits (such as enrolment on the association's register and subscription to trade magazines).
How much does Beauty Therapy Insurance cost?
The cost of insurance for beauty professionals varies depending on what treatments you offer to your clients.
For example, buying Mobile Beauty Therapists' Public Liability Insurance with £1m of cover from Aon would cost just under £34 per year. Insurance for a self-employed mobile beauty therapist from Salon Gold starts at £55 per year. Membership of Beauty Guild, meanwhile, costs £85 per year (plus a £10 joining fee).
But if you offer IPL (Intense Pulsed Light), Micropigmentation, or Micro-Needling treatments, there is an additional charge of £159 per year with Salon Gold. Insurance for advanced electrolysis costs an extra £15.90, while covering microdermabrasion, nose piercing, or radio frequency / cavitation costs an extra £26.50.
With the Beauty Guild, there are additional charges if you need cover for hairdressing (£20) or for advanced electrolysis treatments to red veins, skin tags, milia, warts, or moles (£50).
BABTAC charges an additional fee of up to £115 for skin peels, up to £295 for skin needling techniques (including micropigmentation and mesotherapy), and up to £399 to cover laser and lipo treatments.
For salon owners, adding £1,000 worth of stock & equipment cover is an extra £26.50 with Salon Gold, and adding Employer's Liability Insurance is an extra £79.50 for up to 5 staff.
What about Beauty Therapy Students and Trainees?
Beauty Therapy Insurance is available for students, but it will typically only provide cover you while you are under supervision by a qualified beauty therapist. Student membership of the Beauty Guild is £55 per year.
Why we started this group
The beauty industry contributes £6.2 billion a year to the UK economy, and is showing no signs of slowing down.
As a self-employed Beauty Therapist, you can work anywhere – a swanky salon, your living room, a fancy hotel or even a plane! However, owning your own business is challenging, and the insurance industry does not make it any easier, by imposing limitations and exclusions on certain therapies from their policies.
We want to take the hassle out of finding the right insurance for you, so you can concentrate on running your business and making your share of that £6.2 billion. You don’t have to be a member of any organisation or professional body, so there are no extra fees to be paid. What’s more, as you’re joining a group of your peers, your collective buying power can be used to get you a better deal.
When 50 beauty therapists join the group, we will begin negotiations to find you the best insurance quote for your business needs. If you know other beauty therapists who will benefit from a great deal on their insurance, why not invite them to join this group? The more people join, the better the offer we can get.
Top questions answered by us
What issues lead to legal claims against Beauty Therapists?
Clients might develop allergic reactions to treatments, or be injured due to faulty machinery or human error during some treatments. Additionally, clients might injure themselves within the Therapist’s work premises, or be harmed by an employee.
What specific types of insurance do Beauty Therapists need?
There are several different types of insurance policies relevant to beauty therapists. Professional Indemnity Insurance (sometimes called PI Insurance), protects against lawsuits by clients who are hurt as a result of professional negligence or malpractice. Public Liability Insurance is needed in case a client hurts themselves on the therapist’s equipment or in his/her premises; and finally Employers Liability Insurance, to cover legal claims made by employees is a legal requirement for any beauty therapist who employs staff. Additionally, beauty therapists sometimes work abroad, and so need a policy that would cover them for work outside the UK. When the group reaches the minimum amount of members, we will endeavor to get an offer for a policy that offers as much flexibility and scope as we can find.
What does the UK’s Beauty Therapist community look like?
According to Habia, in 2011/12, there were 245,795 people employed in the Hair and Beauty Industry in the UK. Out of those, 57.8% were employed, and 42.2% were self-employed. The number of women in the industry is significantly larger than the men – 220,173, versus just 25,622. The dominant ages for workers in the industry are 16-24, with 31.1% and 35-44, with 29.8%.
What treatments are not covered by Beauty Therapists insurance?
Many policies exclude, or charge a premium for, treatments which involve the piercing of the skin (such as acupuncture and piercings for earrings), use of laser (for electrolysis or tattoo removal), and use of advance peeling, epilation or lipo.
I like this idea, but it is not time to renew my insurance yet. Will I miss out?
No, once we have an offer for our group members, you will be able to buy it at any time. Additionally, you can drop us an email and we will remind you when your current policy expires!
Community questions and answers
hi how do i apply for beauty insurance im a qualified beauty therapist awaiting certificates x
Hi Roisin, thank you for getting in touch. To get a quote just click on the 'join the group' and 'get a quote' buttons above, this will take you through to input your details. The insurer will then contact you with the details and prices, at which point you can take the policy out! I hope that helps. Heidi
home contents and business items coverView all 2 answers
I need home contents cover and business equipment cover up to £12,000. Could you cover both?
Hi there Michelle, this group would not cover you for home and business. But we do have an arrangement in place with Sterling who will cover up to £20,000 of loss or damage for business equipment (including £10,000 maximum for stock or supplies). If you would like to give them a call on 03332 205515 and quote Bought By Many they will be able to assist you. I hope that helps! Kind regards, Heidi