As a beauty therapist, you give advice and treatment for clients’ appearance, understanding the body works, skin biology, among others. However, you may be exposed to various risks. One mistake could quickly escalate, such as a client developing an allergic reaction to a treatment you provided, leading them to take legal action.
Prepare for any accident and avoid an impending stressful financial situation by getting insured.
Each day, you work hard to provide services to make clients look and feel better, but things don’t always go as planned, so protection like professional indemnity and public liability insurance, and other policies become necessary.
Let’s say you did a beauty treatment, and your client complains and sues you for skin irritation . You can turn to your professional indemnity / medical malpractice policy that may cover for mistakes on the advice you provide, the cost that comes with a legal battle.
As a beauty therapist, you are liable for any third-party injury or damage arising from conducting your business even in your customer’s home. Public liability insurance can protect you from any incidents like slips and falls.
Part of your work as a beauty therapist is to sell or supply products. Product liability insurance protects you from any personal injury or damage caused by your goods. If a client makes a claim against you for developing rashes from your facial cream, product liability insurance may cover the compensation costs.
Risks for beauty therapists and the entire health industry are not only related to practice but to business operations as well. Get covered by other business insurance on top of the above mentioned policies.
Why do beauty therapists need insurance?
Because your service entails providing treatments and advice, misunderstandings are likely to happen, making a client perceive you as negligent. Here are some risks that your profession often entails:
To reduce this risk, you’ll need to define your scope of practice, practice communication, adhering to regulatory guidelines, be ready for risks, and get fully covered with the right insurances.
Policy details could be overwhelming, but Sparrow Insurance can help to make everything easy for you. Experience the following with Sparrow Insurance:
If you offer offsite beauty services, you are still in contact with people, so you require many of the above insurance policies. Call our office and chat to one of our amazing team.
It may happen that even after you retire or sell your business, you could be subjected to a claim for professional wrong-doing. Run-off cover benefits you by extending your coverage for a number of years after you retired. Please note that this aims to address any claim that arose while you were operating your business .