As a beauty therapist, you give advice and treatment for clients’ appearance, understanding the body works, skin biology, health-body wellness, 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 treatment, and one of your customers complains and sues you for skin irritation. You can turn to your professional indemnity / medical malpractice insurance policy that may cover for mistakes on the advice you provide, the cost that comes with a legal battle.
As beauticians, 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, which public liability insurance may be able to cover.
Part of your work as a beautician is to sell or supply hair beauty products. Product liability insurance is different from public liability insurance because it 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 Beauticians 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
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.
This insurance cover protects your business, covering contents, 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.
This insurance policy 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.
You may be maintaining a website or a digital record of the personal information of your customers, especially online, making you are at risk of a data breach. This policy covers you from data theft.
Unlike public liability insurance, workers' compensation is a mandatory requirement for all businesses to cover their staff and contractors in the event of an accident. Know the right information as there are also varied guidelines per state in Australia and depending on the kind of industry.
Whether you run a small or large business or work as a contractor. This insurance policy 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 exposures that your profession as a beautician often entails:
To reduce this risk, you’ll need to define your scope of practice, practice communication, adhering to regulatory guidelines, be ready for any risk, protect financial safety, and get fully covered with the right insurances for beauticians.
Policy details could be overwhelming, but Sparrow can help to make everything easy for you. Experience the following with Sparrow:
You may be able to do some of these online, but remember that we’re just a phone call away if you have questions on how to be covered.
Get your full coverage for yourself and your business. Call us now!
If you offer offsite services, even if only a hair salon, you are still in contact with people and should also protect your beautician equipment. You still require many of the above insurance policies, which may include professional indemnity insurance or public liability insurance. You can contact us at our office and chat with 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.
General Advice Warning
This advice has been prepared without taking into account the client's objectives, financial situation or needs.
Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).
If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.
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