Aesthetics, Beauty & Cosmetic Insurance
Insurance providers for Aesthetics, Beauty & Cosmetic practitioners.
What is Aesthetics, Beauty & Cosmetic Insurance?
Aesthetics, Beauty and Cosmetic Insurance helps protect those who work within the industry. It covers a number of specialisms and treatment types, designed to cover your specific needs.
Aesthetics, Beauty and Cosmetic Insurance is taken out by businesses to protect themselves and their clients against risks that can occur.
Cover can be personalised to the specific business and its needs such as Beauty Salons, Hair Salons, Tattoo Parlours and Cosmetic Surgeries.
Depending on the level of cover needed, insurance packages can include Employers’ Liability Insurance, Professional Indemnity Insurance, Property Insurance, reputational harm and Public Liability Insurance.
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Why do I need Aesthetic, Beauty & Cosmetic Insurance?
Many aesthetic, beauty and cosmetic practices and treatments can be high-risk. With treatments and medicines constantly evolving, it is very important to ensure that you and your clients are covered should anything happen.
Having the correct cover could mean the difference between your business surviving should something happen. Insurance for your beauty, aesthetic or cosmetics business can help cover the costs incurred by the many risks you can be exposed to.
Aesthetics, Beauty and Cosmetic Insurance can help protect your business, employees and clients from incidents and risks such as fire, theft, accidents, legal costs incurred from claims of negligence and equipment breakdown.
Is Aesthetic, Beauty & Cosmetic Insurance a legal requirement?
If you employ people as part of your business, then you are legally required to take out Employer’s Liability Insurance.
Although other insurance isn’t considered a legal requirement, it is strongly recommended that you purchase business insurance across any trade. In particular, businesses across the beauty, cosmetic and aesthetic industry are particularly vulnerable to complicated risks surrounding cosmetic procedures.
It is therefore very important that you help protect your business and its reputation against possible claims of negligence, physical harm, illness or injury against your procedures or products.
Who can take out Aesthetics, Beauty & Cosmetic Insurance?
A number of trades can take out Aesthetics, Beauty and Cosmetic Insurance cover. The specialist team at SJL Insurance builds bespoke policies to work for your business. Depending on what it is you require and how your business works, this can include Professional Indemnity Insurance, Employer’s Liability, Product Liability, Cyber Insurance, Public liability and reputational harm.
Some of the businesses that should take out Aesthetics, Beauty and Cosmetic Insurance include the following:
- Sole traders and individual practitioners
- Mobile & salon-based practitioners
- Aesthetics (non-licensed) practitioners
- Medical professionals
- Tattoo artists (and removal)
- Hair salons
- Cosmetic clinics
- Tanning salons
If you’re not sure if Aesthetics, Beauty and Cosmetic Insurance is the correct insurance for your business, please contact one of our team members today for advice.
What is covered in Aesthetics, Beauty and Cosmetic Insurance?
SJL Insurance is an insurance brokers, meaning we have access to a large number of insurance services and can provide flexible cover to suit your individual business needs. Depending on the level of cover and type of business you run, we can build a policy to cover as much as you want.
Because aesthetic, beauty and cosmetic businesses can cover so many treatments and procedures, it is imperative that you have the correct insurance cover. Working in this industry also means that you are vulnerable to several high-risk situations on a daily basis across your property, clients, equipment, products, data and staff.
To protect you against these many risks, Aesthetics, Beauty and Cosmetic Insurance can include the following:
- Professional indemnity & treatments
- Public/General Liability
- Products Liability
- Breach of professional confidentiality
- Cyber and data breach
- Reputational harm
- Business Interruption
- Personal Accident
- Contents insurance
What treatments and procedures are covered in Aesthetic, Beauty and Cosmetic Insurance?
As modern medicine advances and new procedures develop, SJL Insurance stay on top of the latest updates and trends to ensure you’re always covered.
Some of the treatments and procedures that are covered within Aesthetic, Beauty and Cosmetic Insurance include the following:
- All traditional, general and standard beauty treatments
- Semi-permanent make-up
- Derma rollers
- Derma Pen
- Microdermabrasion and Hydradermabrasion
- Non–invasive laser Body Contouring procedures
- Laser (Non-Ablative)
- Tattoo Lightening
- Tattoo Removal
- Advanced Dermal Fillers
- Aqualyx / fat dissolving mesotherapy injections
- Botulinum Toxin (Botox)
If you’d like to know more about cover and what is best for specific treatments and procedures, please get in touch with our team.
Why choose SJL Insurance for Aesthetic, Beauty and Cosmetic Insurance?
SJL Insurance has years of experience in business insurance. SJL Insurance is an insurance brokers, meaning we have access to an array of insurance services and options, chosen to work for you.
Working in partnership with some of the top aesthetics, beauty and cosmetic training academies in the UK, SJL Insurance services understands that having the right protection in place for your business is paramount.
Regardless of whether you work from home, mobile or clinic/salon location, SJL Insurance services can insure a vast range of treatments and get you protected quickly. Via our partnership with several training academies, we also know that your skills and treatments on offer will increase over time, so we help build your policy to make sure you are always protected.
Our relationship with insurers has grown over the years, developing products and services that match a rapidly growing aesthetics, beauty and cosmetic industry. The complexity of modern medicine brings risks of its own, so not only do we strive to provide the best value for money, but our risk management service aims to understand your needs as an industry provider before we search the insurance market.
Coupled with our exceptional customer service and first point of contact claims service, SJL Insurance can service new and existing clients with an holistic approach.
Find out more about SJL Insurance and why you should choose us for your business insurance needs.
How much does Aesthetic, Beauty and Cosmetic Insurance cost?
SJL Insurance build bespoke policies catered for your individual business needs. If you would like to find out how much Aesthetic, Beauty and Cosmetic Insurance will cost for your business, please request a free, no obligations quote now.