Beauty Insurance – Compare Leading Insurers

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Beauty Insurance is a broad category that includes:

• Hairdressing Salons
• Hairdressers
• Mobile Hairdressers
• Freelance Hairdressers
• Barbers
• Beauty Salons
• Make-up Artists
• Mobile Beauty Therapists
• Freelance Beauty Therapists
• Nail Technicians
• Nail Studios
• Masseurs/Masseuses
• Mobile Masseurs/Masseuses

Hairdressers and Beauticians with your own Salon

Lifesure is an independent Beauty Insurance Specialist who has access to many leading insurers offering beauty insurance policies. This enables us to provide competitive quotations for beauty insurance and quality cover for your business.

You can use our on-line Beauty Insurance Quote form to receive an instant quote and to purchase immediate cover or you can talk to one of our Beauty Insurance Specialists who will be delighted to offer you professional advice and answer any questions. Please call us on 01480 402 475.

Contents cover and/or Buildings (optional)

Your contents and/or building (if selected) are insured against loss or damage caused by a standard range of insured risks normally associated with your trade including Accidental Damage.

Beauty Insurance Package cover includes:

Public Liability

Public Liability provides an indemnity against injury to third parties or damage to their property caused during the conduct of your business. Available with optional limits of £1,000,000, £2,000,000 and £5,000,000.

Employers Liability

Employers Liability is a legal requirement where you are indemnified if an employee is injured whilst in the course of their employment. £10,000,000 of cover is automatically included. The legal definition of an employee is much wider than many business owners realise, click here to check who is defined as an Employee.

Business Interruption

If your business suffers loss of income due to an insured peril i.e. fire, then Business Interruption can help offset any shortfall until you are back to full trading or up to the indemnity period selected (which ever is the sooner).

Money Cover

• Cover for your money during and out of business hours (security requirements may apply). Also whilst in transit or when in a bank night safe and up to £500 in your private dwelling.

Personal Accident (Assault)

This provides benefit if you or anyone in your employment should be unfortunate enough to be assaulted whilst in charge of business money.

Glass

Damage to fixed glass and fixed items of sanitary are automatically covered.

Commercial Legal Expenses can include the following cover:

• Employment Disputes & Employment Compensation  Awards
• Legal Defence
• Contract Disputes
• Property Protection
• Bodily Injury
• Debt Recovery
• Tax Protection

Beauty Insurance: Optional additions to your policy

Treatment Risks – Includes;

• Washing, cutting, styling and drying of hair
• Tinting, dyeing, bleaching, permanent waving or special treatment of the hair (normally carried out by a hairdresser)
• Eyebrow and eyelash plucking, shaping and tinting
• Manicure and pedicure
• Cosmetic and facial masks including ionization and steaming treatments
• Proprietary hair removal preparations
• Hairdressing work on wigs and hairpieces
• Ear piercing by gun and stud method

Beauty Insurance for Self-Employed Hairdresser and Beauticians

There are many hair and beauty professionals who operate their businesses from home, are mobile or rent a chair  – Lifesure can offer a specific business policy for you.

Alternatively, please call us on 01480 402 475 and to talk to one of our knowledgeable Beauty Insurance staff.

We would like to draw your attention to the fact that all insurance policies are subject to terms, conditions, excesses and exclusions. As we strive to ensure you have the cover that you require we would ask you to read the Policy Document and the Policy Summary, both of which are available online.