Originally written by Anna Jordan on Small Business
Beauty has more obvious risks than some other professions: straightener burns, allergic reactions to various creams, slips on tile floor spillages. That’s why you need beautician insurance.
Policies can cover a wide range of specialisms, including:

Hairdresser
Barber
Make-up artist
Nail technician
Manicurist/pedicurist

The individual treatments that are insured can be even more diverse and very much dependent on the policy.
Here is a rundown of the cover that you need by law, what is recommended and which restrictions you need to be wary of.
What insurance is legally required by beauticians?
If you have any employees at all, even an apprentice who’s working with you for a few weeks, you absolutely need employers’ liability insurance.
“Employers’ liability – even for volunteers and students – is a legal requirement as they can become ill or injured and take legal action against you,” says Jemma Holloway of Direct Line for Business.
“Or it could be for a spray tan treatment where they’re not told how to wear the mask properly and become unwell.”
You could face a hefty fine without this insurance, so make sure you have it in place.
What other insurance would be useful for my beauty business?
Public liability insurance covers you for any damage you

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