Although insurance is not a legal requirement for mobile beauty therapists, having liability insurance in place can protect your business against financial ruin if a client takes legal action against you.
Consider that beauty therapists provide a variety of potentially-dangerous treatments in the comfort of the customer’s home. This includes services such as waxing, facials, manicures, pedicures, eyebrow treatments and much more. While the goal is to leave your clients looking and feeling their best, the reality of working on the face and body is there’s always a risk of injury. Plus, damage to the customer’s property, since the treatments will not be carried out in the safe, predictable environment of a salon.
Here’s an overview of what you need to consider as a mobile beauty therapist seeking liability insurance.
Mobile Beauty Insurance
According to NimbleFins, mobile beauty therapists working as self-employed require insurance that specifically covers you as an individual. The same holds true if you own a larger mobile beauty insurance business.
This is different from working within a beauty salon as an employee, as you’d ordinarily be covered under your employer’s liability insurance in that case.
Popular types of insurance for a mobile beautician include public liability, product liability, treatment cover and contents insurance. Each person has different needs and prices can vary. Insurance as a mobile beauty therapist will take into account various aspects relating to your working conditions. However, it will also need to cover the types of treatments you offer, especially if these vary from the norm. For example, the likes of dermaplaning or microblading are considered more high risk than a manicure.
Public Liability Insurance
Public liability insurance is the most common insurance policy type taken out in the UK, aside from employer’s liability insurance. The clue is in the name with public liability insurance since it will cover against injury or property damage claims made to you by your clients or other members of the public. Pay outs cover compensation to an injured party like your client plus your legal fees.
The average cost of public liability insurance is around £118 a year, which will offer £2m worth of cover, but mobile beauticians usually pay less.
Scenario: You get wax on a customer’s carpet and it cannot be removed even with deep cleaning. The customer sues you for the cost of a new carpet.
Product Liability Insurance
Product liability insurance is similar to public liability insurance, as it also protects you against claims made by clients or members of the public if they are injured or have their property damaged due to your negligence. However, the damages relate specifically to products you have supplied.
Since beauty therapists use products for practically every treatment, having cover is a wise idea. It will also protect you if you sell at-home products, even if they are as simple as aftercare lotions for waxing. Since beauty products can also include peels and other astringent skincare, product liability insurance can cover you in case your client has an adverse reaction, or if a product damages their property in any way. Just be sure you always follow manufacturers’ directions.
Scenario: You sell a tanning mousse to a client and it ruins their cream sofa. They sue you to cover the cost of a new sofa.
Treatment Liability Insurance
All mobile beauty therapists offer treatments of some description since it is the foundation of their business. Treatment liability insurance will cover you against any treatments you carry out or advice you give.
There are potentially hundreds of beauty treatments you may give your clients. Even those deemed low risk can still cause damage or injury to your clients, so it’s imperative you get cover for the treatments you personally carry out.
Certain treatments are also classed as high risk. As well as making sure you have the correct training and certification to carry out such treatments, you will need to inform your insurer to make sure you are specifically covered for that particular treatment.
For example, carrying out injections or physiotherapy treatments would not be covered by standard insurance. If it’s not a treatment that is typical of beauty therapy, then you should always check your insurance policy to check whether you’d be covered or not.
Scenario: You perform an eyelash tint on a client and some of the product lands in their eye. They require ongoing medical treatment as a result. They sue you for the cost of their care and time off work.
Compare Mobile Beauty Therapist Insurance
To compare mobile beauty therapist insurance, be sure that the policies you’re considering all take into account the exact treatments you perform and the level of cover you require. Also compare the excess you’re required to pay in event of a claim. Consider the costs to your business if you were not covered for one of the above aspects, since you’d be liable to pay without an insurance policy in place.
To Sum Up
Mobile beauty therapist insurance can cover you against accidental damage to your client’s property, injury from treatments you carry out, advice you give or products you supply. Compared with paying for damages out of pocket, the cost of insurance is minuscule. Plus it will give you peace of mind when carrying out your work since even with the best training there is always a risk to your clients, a member of the public or even the environment you work in. And finally, if you hire any staff as your business grows, be aware that you’ll need to add one more type of liability cover to your business insurance package: employers’ liability insurance.