So you want to start offering beauty treatments from home? That’s wonderful! However, before taking on any clients you need to make sure you have the proper insurance coverage in place. Operating without insurance leaves you vulnerable to substantial financial losses should something go wrong.
When running a home-based beauty business, there are three main types of insurance you need: public liability insurance, treatment risk insurance, and for some, product liability insurance. Let’s break these down.
Public Liability Insurance: Protection Against General Risks
Public liability insurance covers you in case a client or member of the public suffers an injury while on your property that is not directly related to the beauty treatment itself.
For example, say you leave your makeup kit box in the hallway and a client trips over it, hurting their ankle. Or perhaps you accidentally scratch their car while wheeling in your massage table. Public liability would pay for any required medical treatment in the first example, and repair costs for the car in the second.
It also covers damage to third party property. So if that hot wax you’re working with drips onto a client’s rug, your policy will pay for cleaning or replacement costs.
Public liability insurance is essential for all home beauty businesses, whether you offer nails, waxing, massages or makeup services. Accidents happen, so protect yourself and your business with this vital coverage.
Treatment Risk Insurance: Protection While Conducting Treatments
Where public liability covers general risks, beautician insurance specifically protects you during the administration of beauty treatments. If a client suffers an injury or reaction directly resulting from a treatment you performed, this policy pays out compensation.
Treatment risk insurance categorises treatments as either low or high risk:
Low Risk
- Waxing
- Manicures/pedicures
- Makeup application
- Lash/brow tints
High Risk
- Chemical peels
- Laser hair removal
- Microdermabrasion
- Electrolysis
For low risk treatments, you can easily secure coverage online in minutes from specialty beauty insurers.
However, if you offer high risk treatments, an insurance broker skilled in the beauty industry can assist in getting you the right tailored coverage. These treatments require a higher degree of training and carry greater risks, so policies are assessed on a case by case basis.
Product Liability Insurance: Protection Against Reactions
For home beauty businesses focused specifically on makeup artistry, product liability insurance is also recommended. This covers you in case a client has an allergic reaction or infection from use of your makeup or tools.
With makeup application comes an added emphasis on sanitation and hygiene. All brushes, sponges, and kits must be thoroughly cleaned between each use. Any product that directly touches a client’s eyes or lips should be disposed of or thoroughly sanitised.
If proper protocol is not followed, bacterial infections and severe breakouts can occur. Product liability insurance protects you if a reaction happens and your client pursues legal damages.
Protect Your Passion
If you love making others look and feel beautiful, don’t let a lack of insurance jeopardise your career. Protect yourself, your clients, and your home with tailored coverage for beauty professionals.
Public liability, treatment risk, and product liability policies give you peace of mind so you can focus on doing what you love. For a quick quote from a top-rated specialty insurer, visit Salon Saver today.
To read more on topics like this, check out the beauty category.
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