This all-in-one cover for complementary therapies includes:
Malpractice – for bodily injury, illness or death of patients caused by your negligence
Professional indemnity – for breach of confidentiality, dishonesty, and libel/slander
Public liability – for property damage and bodily injury caused by your business
Product liability – for property damage and bodily injury caused by products you’ve supplied
Designed for self-employed hairdressers with an annual income of £50,000 or less.
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Making your clients feel good about themselves is what you do best. Sharp cuts, dazzling colours and flawless highlights are your calling card.
But what if something goes wrong, and your client ends up feeling (and looking) a whole lot worse after an appointment?
If they decide to sue, then our essential insurance package including malpractice, professional indemnity (PI) and product liability cover can help. It provides the legal muscle to fight your corner and takes care of any compensation.
It also helps to make the whole experience a lot less hair-raising.
Although you’re confident you have all the skills you need to deliver a great look for your clients, it’s a fact of life that things don’t always go according to plan.
Say a hair colour goes disastrously wrong, and your client gets a nasty shock when they look in the mirror. Or maybe someone has a bad allergic reaction to a product.
The trouble is, mistakes and accidents can be both expensive to fix and damaging to your hard-earned reputation. And if the bookings dry up because rumour is rife, or a claim ends up sapping all your time and resources, then your business can suffer.
Professional insurance helps take the weight off by providing both practical and financial help. That means hands-on expertise to deal with the legal side of a claim, and money to cover costs and compensation.
Beauty treatments like manicures, pedicures, waxing and fake tans are included too. So that’s pretty much everything covered – from head to toe.
These polices protect your business, no one else’s. And since it’s you who knows your business best, you’re the one best-placed to decide on the right level of cover.
A good starting point is to think about what you do, how you do it, and what could go wrong. What’s the worst that could happen or the most expensive mistake you could make (or be accused of making)?
Bear in mind that your legal defence can cost many tens of thousands of pounds... and that’s before the compensation bill from your client rolls in. Your level of cover has to be enough to take care of the lot – so really, you can’t ever have too much.
It can be a tricky thing to get right, so have a read of this guide, or call us if you need more help.
Malpractice: bodily injury, illness or death of clients caused by your negligence.
Product liability: for property damage and bodily injury caused by products you’ve supplied.
Professional indemnity: negligence claims and allegations made against you by clients and third parties, because of mistakes you’ve made and things you’ve failed to do. Specifically (but depending on the policy wording):
But that’s not all. Some professional indemnity policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.
Because it covers your business against third-party claims for injuries or property damage.
And that means you’re insured every which way – whether you’re operating out of your own home or salon, renting a chair in someone else’s salon, or visiting clients in their homes.
Let’s say you’re giving a client a new colour in her own home, but dye somehow ends up on the carpet, ruining it. You’re covered. Or you leave a blow-drier lead trailing across the floor and someone trips over it, injuring themselves. Again, you’re covered.
Your public liability policy picks up the tab and pays to defend you, to fix whatever’s wrong and to compensate someone if needs be.
Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.
Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.
Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.
Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.
Hmmm – good question. And one we’re very happy to answer.
Basically, we’re specialists – small business insurance is all we do – so we know our stuff.
We also pride ourselves on making the whole ‘buying insurance’ thing as quick and as painless as possible. And we’re anti-jargon, so you won’t find us spouting insurance gobbledygook.
That means you can buy simply and speedily online, or talk to one of our advisers for expert advice. They’re phone-friendly people with real knowledge – no call centres or phone menus here.
Oh, and you also get some great add-ons¬ – like 20% off everything at MOO and an ‘I’m insured’ badge for your website, for that professional touch. Plus, we’ll give you a cash bonus each time you recommend us.
Any insurance questions you can possibly think of are answered in our School of Risk. And you’ll also get to enjoy our quarterly update email, ‘The Waggle’, packed full of advice.
But it’s customer feedback that really counts, so check ours out. We think it speaks for itself.