Insurance​

One of the first steps to take after successfully completing your course is to obtain your treatment insurance. It is so important to obtain insurance so that you have peace of mind in the unlikely event of an accident or injury occurring during or after carrying out your new therapy on clientele.You will need to look at three types of insurance in your policy.

• Public liability insurance
• Product liability insurance
• Professional treatment cover

What is public liability insurance?

Public liability protects you from claims which arise through negligence on your part during the course of your work. For example, you may have left cables in a hazardous location where someone might trip. If a member of the public injures themselves or has their property damaged because of this, they may try to claim damages from you. This insurance would cover your legal defence along with their compensation should they win the case.

What is product liability insurance?

Product liability cover will insure you in the event a product you use or sell to clients causes a member of the public to suffer an injury or have their property damaged. In these instances, they may try and claim compensation from you, even if the product is not made by you. It’s important to therefore cover yourself just in case. Again, product liability for beauticians covers your legal defence and any damages you have to pay to the claimant if they win the case.

What is professional treatment cover?

Professional treatment cover is a form of professional indemnity cover especially for beauty therapists. It ensures that, if a client isn’t satisfied with advice you have given them regarding their treatments and takes you to court, your legal costs and awards claimed by the client if they win the case are covered.