Professional Insurance for Beauty Therapists

Keep your world of beauty protected with Sparrow Insurance

Beauty Therapists' Insurance

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.

What kind of insurance does a beauty therapist need?

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.

Professional Indemnity/ Medical Malpractice

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.

Public Liability Insurance

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. This can be  incidents like slips and falls.

Product Liability Insurance

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.

Other business insurance products for beauty therapist

Risks for beauty therapists 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. These policies below are a recommendation only and are subject to a review of your specific requirements

Management Liability

is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit and statutory fines and penalties.

Business Insurance

Business insurance protects your business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption, for the potential loss of income, under certain sections of the business policy.

Personal Accident & Illness Insurance

This insurance is for every beauty therapy business owner or contractor, as accidents and sickness do happen to business owners and contractors, this may assist your business to enable you to employ staff to cover you the business owner while you are unable to work to work.

Cyber Insurance

If you maintain a website or a digital record of your customers' personal information, especially online, you are at risk of a data breach. This policy covers you from data theft.

Workers Compensation

Workers' compensation is a mandatory requirement for all businesses to cover their staff and contractors in the event of an accident

Tax Audit Insurance

Whether you run a small or large business or work as a contractor. This insurance will cover your business for tax auditing by the ATO.

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:

  • A decline in your client’s perceived skin improvement, after using your services
  • Your treatment/ advice not providing the expected results
  • You can get help in the claims process. We can answer all your questions about this.
  • Administrative errors

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.

Why choose Sparrow Insurance

Policy details could be overwhelming, but Sparrow Insurance can help to make everything easy for you. Experience the following with Sparrow Insurance:

  • Sparrow takes you through the step by step process to obtain a quote
  • Manageable renewal of your policy / policies

You may be able to do some of these online, but remember that we’re just a phone call away if you have questions.

Get your full coverage for yourself and your business. Call us now!

FAQ

What insurance do I need if I have a mobile beauty business?

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.

What is a run-off cover?

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 .