From 13 July 2024, we're no longer offering Tradesperson and Professionals insurance.

If you need cover for your small business you can get a quote from our friends at Direct Line.

For more information check out our answers to some common questions.

Beauty Insurance

£1 million Public Liability Insurance included as standard. Cover your equipment with a range of optional extras.

Churchie

Reasons to rely on Churchill for Beauty Insurance

  • £1 million Public Liability Cover as standard, you can increase it up to £10 million
  • Up to £10,000 cover for your valuable tools and business equipment
  • Treatment Liability Cover in case treatments go wrong
  • Cover for your staff with up to £10 Employers' Liability Insurance
  • Make your policy work for you with a range of optional extras
  • Our specialist claims handlers will guide you through making a claim
  • Access to our 24-hour legal advice line

What is Beauty Insurance?

Being a beauty therapist means working closely with your clients.

From a nasty reaction to a treatment to a stained carpet in a customer’s home, everyday accidents can have serious consequences for you and your business.

Most clients try to understand when things go wrong, but it only takes one compensation claim to put your business under serious strain.

You can get covered for most claims with our Treatment Liability Cover, which you can add onto your Public Liability Insurancec policy as an optional extra.

With Churchill’s flexible insurance you get reliable, cost‐effective cover for all aspects of your business.

We can tailor our cover to suit your needs and offer you insurance that’s there when you need it.

What does Beauty Insurance cover?

Business Insurance for beauticians starts with our standard Public Liability cover, and you can add a range of optional extras to tailor your policy to exactly what you need.

Public Liability Insurance

Public Liability Insurance isn’t legally compulsory for beauticians, but most people in customer-facing industries think it’s essential, and sometimes contracts require it.

As well as giving you peace of mind and security for your business, it also helps you present a professional image.

Having Public Liability Insurance means you’re covered if you or an employee accidentally injures a customer or damages their property.

Our Public Liability Insurance offers you up to £1 million of cover as standard, with the option of increasing it to up to £10 million.

Find out more about Public Liability Insurance


Employers’ Liability Insurance

Employers' Liability Insurance is a legal requirement under the Employers’ Liability Act 1969 if you employ staff or apprentices.

It covers you if one of your employees is injured or becomes ill while they’re working for your business.

Employers' Liability Insurance is provided as standard if you have employees. 

Find out more about Employer’s Liability Insurance


Tools and business equipment cover

Beauticians would be lost without the tools of their trade.

You can cover your valuable business equipment for up to £10,000 as an optional extra for added peace of mind.

Our cover includes mobile phones and laptops.

Find out more about Tools and business equipment cover

Don’t forget your van

Do you use a van for work?

Get cover for your van if you use it to carry your tools and equipment for your business activities.

Find out more about Van Insurance

Churchill van insurance is arranged and administered by our partner Brightside Insurance Services ltd

Make your policy work for you

Tailor your cover with our optional extras

Public Liability Cover up to £10 million

Cover against claims for injury or property damage by clients or members of the public. You can increase our standard cover to up to £10 million.

Find out more about Public Liability Insurance

Treatment Liability Cover

Cover for health, beauty and wellbeing treatments. It protects against claims for death, injury, and damage to a third-party property.

Find out more about Treatment Liability Insurance

Tools and Business Equipment Cover

You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Our tools cover includes mobile phones and laptops.

Tools Insurance

Business Stock Cover

Up to £25,000 cover if your business stock is damaged or stolen.

Personal Accident Cover

Insure named people in your business, aged 16-75, against personal accidents. Add death benefit up to £50,000 (weekly benefits up to £250).

Get into the detail

Policy documents

You can read our Professionals policy documents below.

These are standard documents that might be different to the ones you received when you took out your policy.

Log in to your account to find your individual policy documents.

Policy documents for policies starting before 23 August 2023

Policy documents for policies starting 23 August 2023

Need some help?

Visit our help and support page for answers to common questions or to contact us if you want to talk to someone. 

Help and support