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The closest match we have to the business activity you've entered is "{newOcc}". We'll base your quote on this, and it'll be what you're covered for if you decide to buy. If it doesn't describe what you do accurately enough, please call us before going any further. Is that OK?
Also called ‘turnover’, ‘revenue’ or ‘earnings’, this is how much money your business brings in in a year.
We need this to work out what your insurance costs. It’s a guide to how much work your business does and therefore how much risk it faces.
The figure from your last full year’s trading is best, excluding VAT. If your business is less than a year old, or you’re just starting out, your best guess is fine.
If you're selling in the USA, we'll automatically add Amazon.com Services LLC as an additional insured on your product liability insurance and provide a certificate to confirm.
The Health and Safety Executive considers these as people who work in your business ('employees'):
Note: even if someone is self-employed for tax purposes, they might be classed as an employee for other reasons. For example, if you use freelancers but you dictate where and when they work, and provide their equipment, you could be liable for their welfare. Even though they're not, strictly speaking, employees you might need employers’ liability insurance to cover them.
This is the total amount of money your business pays out in salaries, wages and bonuses in a financial year. It should include your salary, if you take one, but not any dividends you pay to yourself or anyone else.
If you’re a new business, base it on an estimate for the next twelve months.
Membership of these associations usually means your insurance needs an approved policy wording. Answer 'Yes' and we'll make sure yours has.
Answer ‘Yes’ if you ever travel to other countries to work. Also answer ‘Yes’ if you work for clients based outside the UK or on contracts written under non-UK law.
If you sometimes travel to non-EU or non-European countries to work, answer ‘Yes’.
Also answer ‘Yes’ if you work under non-EU law contracts – even if you do the work in the UK or EU.
Work out roughly what percentage of your annual turnover you generate in each of the areas listed. This is the geographical area you work in - we'll ask for the laws your contracts are governed by in the next question.
Please give us an idea of how much work you do where. Make sure the total adds up to 100%. If you do all of your work in one geographical area only, make that figure 100% and leave everything else as 0%.
We need to know which country’s laws the work you do is governed by. Contracts are sometimes written under one country’s laws while the actual work is carried out elsewhere.
Work out roughly what percentage of your annual turnover comes from contracts written under the laws of each of the areas listed.
Please make sure the total adds up to 100%. If you do all of your work under the laws of one area only, make that figure 100% and leave everything else as 0%.
We need your largest fee income from a US or Canadian law contract
Please answer 'No' if all your beauty activities are in this list.
If you're not sure your training is recognised as at least NVQ Level 3, check with your trainer.
Important: all therapists performing these treatments must have at least an NVQ Level 3 in hair and beauty treatments or equivalent. If you're not sure your training is recognised as at least NVQ Level 3, check with your trainer.
Please answer 'No' if all your advanced beauty activities are in this list.
If yes, we'll restart this quote to cover "Aesthetics" treatments.
We can offer cover for both medic and non-medic aesthetics practioners.
We'll need to review this information before we can give you a quote. Please include details of:
(We'll ask for your contact details next.)
This will help determine which of the policies we have access to, is most suitable for you.
Please click on the expanding categories below and tick as many boxes as you need to.
If you’re not sure what to tick, or you can’t see what you do, call 0345 222 5399.
Please tick as many boxes as you need to.
If you’re not sure what to tick, check here for a list of the goods by category we can (green section) and can’t (red section) cover.
We need the total cost of the whole project, not just the part you worked on.
As in the average £ value of the contract to you.
This is the total value to your client, rather than the amount they're paying you. The insurer is looking for an idea of worst-case scenario if it all goes wrong and you're liable.
If you’re not sure what to tick, or you can’t see what you do, call 0345 561 0320.
Please say, roughly, how you split your work.
We accept qualifications in Beauty Therapy which sit within the RQF Level 3 (Regulated Qualifications Framework). Examples of qualifications sitting within the RQF Level 3 are Level 3 National Vocational Qualifications (NVQ’s) and Level 3 Diploma’s in Beauty Therapy. Qualifications must be from City and Guilds, VTCT, ITEC, CIDESCO, CIBTAC or any other awarding body regulated by OFQUAL.
We will also accept overseas qualifications in Beauty Therapy where the practitioner has obtained a Statement of Comparability from UK ENIC (formerly NARIC) showing that their qualification is comparable to RQF level 3.
We recommend a package of cover for anyone performing aesthetic treatments that includes:
Are there any other covers you'd like to include in your quote?
This is the maximum your insurer will pay for all claims on this cover in a policy year.
This is the amount it would cost to replace items at today’s prices. Not what you paid for them.
The insurer we've selected will cover treatments you're qualified to perform from the selected band, and all lower bands.
The full list of treatments you're covered for will be included with your quote.
Please select the highest band of treatment you offer, eg if you offer Botox, pick Band 5.
This should include all skincare products, including commonly sold items like cleansers, moisturisers, serums, sunscreens, exfoliators, toners, masks, eye creams, spot treatments, and lip care, across all retail channels — online, clinic, or home sales.
If skincare product sales are not part of your business, please select 'Less than £5,000'.
Please choose an amount. This is the maximum your insurer will pay for all claims on this cover in a policy year.
The policy we'd like to quote does not cover claims from these activities.
You can be held responsible for errors or damages caused by the people you place. This is called 'vicarious liability'. Clicking 'Yes' means you're protected if a client sues you for something that's not directly your fault.
Among other things, it's likely a non-standard contract asks for you to be responsible for people or activities outside your normal scope. Your best bet is to check the non-standard clauses and call us on 0345 561 0320 if you're not sure.
Also called ‘income’, ‘revenue’ or ‘earnings’, this is how much money your business brings in in a year. It should include the total wage bill you handle for any placed staff on your payroll.
The figure from your last full year’s trading is best, excluding VAT. If you’re a new business, base it on an estimate for the next twelve months.
Include yourself, all directors, partners, and your own office-based staff, as well as those working remotely.
This is the total you pay in salaries, wages, and bonuses to your office-based staff, including yourself, all directors, and partners.
Include all overtime, paid holiday, and commission. As well as National Insurance and pension contributions you make on their behalf.
If you’re a new business, give an estimate for the next 12 months.
Tick as many as applicable.
‘Terms of business’ is a document that outlines what’s been agreed between you and your client. It manages expectations and sets out a framework for the service you’ll deliver. It forms the basis of your relationship with your client and helps minimise conflicts and misunderstandings.
Ask yourself who’s in charge of your workers when they’re on a placement. Who tells them what to do?
If there are any circumstances in which you, the agency, are responsible for this, answer no.
It's important for agencies to communicate clearly with their clients about roles and responsibilities. Make clear who’ll be responsible for the supervision, direction, and control of placed staff, and put it into your terms of business.
If your agency bears responsibility for the supervision, direction and control of your workers, you may be held liable if there’s a problem with their work.
This can be found on your current insurance documents.
We recommend a package of cover for anyone placing staff that includes:
Are there any other covers you'd like a separate quote for?
The Care Quality Commission (CQC) typically requires organisations they regulate to maintain public liability insurance with a minimum level of cover of £5 million.
Have you or any of your directors or partners:
We need to know so we can give you a policy that’s RICS-approved, as that’s a condition of your membership. RICS membership also requires a minimum level of professional indemnity cover, based on your income.
Answer 'yes' if past or current work includes consultancy on, or actual design/engineering of, basements. If there's a chance future contracts could include basement work but don't as yet, answer 'no' for now and get in touch if things change. We'll ask your insurer to review your policy if and when the time comes.
Also answer 'no' if past projects involved properties with a basement but your work wasn't in relation to it.
In this context, a 'product' is a physical thing (like, say, a chair) rather than something less tangible (like, say, computer software). If you're not sure how to answer, please call 0345 561 0320.
We need your business's full legal name or the name you trade under.
This will go on your policy documents.
State your own name in full, along with your trading name - eg. Jane Smith trading as JS Beauty
Sole traders – state your name in full. Include your trading name if you have one, eg John Smith trading as John Smith Photography.
Firms and partnerships – state all names in full, eg John Smith and Joan Smith trading as Smith Photography. Include 'LLP' if your firm is one.
Limited companies – state your full company name, including the word ‘Limited’ or Ltd’. Note that limited companies can’t ‘trade as’, eg John Smith trading as John Smith Photography Limited.
This could be your home address or an office address. If you move from client to client or you like to work in various shared spaces, your permanent correspondence address is best.
If you need a quote for office contents, computers, public or employers' liability, buildings or business interruption insurance, we’ll need the place your things are permanently kept and/or where you and your people work.
If you need to split cover between addresses, please call us.
Sorry, but we can only cover UK-based businesses.
Some contracts ask for a specific level of cover. Knowing this helps us provide you with the most suitable insurance.
We'll use this as the limit of the business interruption cover.
Include full rebuild costs of your building and value of all contents and fittings.
We won’t pass on or sell your number to anyone and we only call if we have to.
Your home, business or mobile number is fine. Please remember we need the dialling code too.
Generally, we don't call our customers unless there's a problem with their policy.
Just so you know, we're not interested in selling or passing on your phone number to third parties (except where the law says we have to).
For sending your quote and reminders. We don’t share or spam.
Where possible, we do everything by email. We'll send your quote – and your policy documents if you decide to buy – to the email address you give us.
Please double-check your answer. We'll send your quote – and your policy documents if you decide to buy – to the email address you give us.
Click back, or no, to change your answer.
We need their name or their business name. You both get £20 if you buy your insurance from us – see more about Refer a Friend (opens in a new tab).
Answer ‘Yes’ if your organisation has contact with children and/or vulnerable adults.
Include everyone who helps out in the course of a year and divide them into:
The Health and Safety Executive considers all the following to be employees in terms of their welfare:
If yes, we'll restart this quote to cover you as a "Financial Services Complaints Handler".
If yes, we'll restart this quote to cover "Project Management (Construction)".
If yes, we'll restart this quote as "Health & Safety (Construction)".
If yes, we'll restart this quote to cover "Architectural Design".
If yes, we'll restart this quote to cover "Aesthetics" treatments. If no, we'll restart this quote to cover beauty treatments.
If yes, we'll restart this quote to cover you as a "Personal Trainer".
Answer 'yes' and we'll restart your quote so you're covered for bookkeeping work too.
If yes, we'll restart this quote to cover a "Dance Studio".
This is the current minimum premium for physiotherapists with no previous claims, from the insurers we have access to.
If you continue, we'll email you a questionnaire about your work to get your tailored quote from an underwriter.
This is the current minimum premium for a general dentist with no previous claims, from the insurers we have access to.
If you continue, we'll ask you detailed questions about your work to get your tailored quote from an underwriter.
This is the current minimum premium for a dental hygienist from the insurers we have access to.
This is the current minimum premium for a dental therapist from the insurers we have access to.
This is a unique identifier assigned to dental professionals registered with the GDC. It typically consists of six digits followed by a letter (e.g. 123456A).
Please ensure that the number you enter corresponds to your current GDC registration - we won't be able to provide you a quote if this isn't accurate.
If you have had any previous claims we’ll require you to provide 10 years of Letters of Good Standing (LOGS). For each year requested, please ensure that the LOGS are obtained from the relevant regulatory body or professional association and include all necessary information to verify your good standing status.
Do you currently hold professional indemnity cover? If so, how long and what is the current retroactive date on your policy?
What level of cover do you require for the professional indemnity cover?
Children and adults ‘at risk’ are those who may not be able to take care of themselves, or protect themselves from harm or exploitation. They may be in need of community care services due to their environment, mental health issues, learning or physical disability, sensory impairment, age or illness.
By manual work we mean using power tools, machinery, vehicles, or anything that needs a 'hands-on' approach. If you're not sure, please call us.
Instagram, Twitter, YouTube, TikTok - most followers!
Please enter the total cost of ALL your equipment.
Note that this insurance is 'new for old'. The figure you enter should be the cost to replace everything as new, not its current value or how much you paid.
If yes, we'll restart this quote to cover "Public Speaking" instead of social media influencing.
Click back, or no, to revise your activities.
We need to know whether any of the work you do is governed by USA/Canadian laws. Contracts are sometimes written under one country’s laws while the actual work is carried out elsewhere.