What is insurance for beauty?
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 protect against most claims from clients with our Treatment Liability Cover, which you can add onto your policy.
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 insurance do we have for beauticians?
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 protected 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.
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.
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 to work.
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
Protection 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.
Employers’ Liability Cover
The law states you must have Employers’ Liability Insurance if you hire anyone, including apprentices. Add up to £10 million cover to your policy.
Treatment Liability Cover
Cover for health, beauty and wellbeing treatments. It protects against claims for death, injury, and damage to a third-party property.
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.
Business Stock Cover
Protection if your business stock is damaged or stolen, with cover up to £25,000.
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).
Expert guidance for your business
Business is confusing enough without having to worry about risks, rules, and regulations.
When you’re running your own business, you want to concentrate on the things you do best and leave the boring stuff to someone else.
That’s where we come in. We can’t do it all for you, but Churchill Business Navigator can help you find your way through some of the red tape that business owners have to deal with.
What’s Churchill Business Navigator?
Churchill Business Navigator is our free, easy to use risk management portal for Churchill Business Tradesperson, Professional and Landlord customers.
It has a wide range of tools and resources to help you manage risk in your business 24/7.
The help available includes online modules covering everything from HR processes and business continuity plans to dealing with Brexit and employment legislation.
You can get a response from our team of experts to any questions you have within 24 hours and there’s a library of downloadable industry-standard documents to help you with HR and health and safety compliance.
Get into the detail
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.