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Get competitive cover for photographers, in a flash.
Answer a few quick questions about your business and we’ll do the rest. Easy.
Get competitive, specialist cover the quick and easy way.
Answer a few quick questions about your business and we’ll do the rest.
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?
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.
Also called ‘turnover’, ‘revenue’ or ‘earnings’, this is how much money your business makes in a year.
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.
Public liability insurance Personal injuries and property damage
Tools & equipment insurance Lost, stolen or damaged business equipment
Personal accident insurance When physical injury stops you working
Professional indemnity insurance Mistakes, misunderstandings and client complaints
Treatment liability insurance Mistakes, misunderstandings and client complaints
Public and employers’ liability insurance Personal injuries and property damage
Property and contents insurance Lost, stolen or damaged business equipment
Property insurance Lost, stolen or damaged business equipment
Directors’ & officers’ insurance Legal action against management
Cyber insurance Hacks, data breaches and GDPR fines
None of the above
Trustees’ insurance Legal action against your trustees and decision-makers
Public liability insurance Injury or damage to people and their property
Employers’ liability insurance Injury or damage to your staff and helpers
Property and contents insurance Lost, stolen or damaged equipment and stock
Include anyone under your supervision such as employees, freelancers and volunteers.
So you know, the Health and Safety Executive considers all these '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.
The Health and Safety Executive considers these as people who work in your business ('employees'):
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 elseorganisation pays all permanent employees.
If you don’t have an annual wage bill, or if you’re a new business and you’re not sure what it'll be, please put ‘0’.
If you don’t have permanent employees, or you’re new and you’re not sure what your wage bill will be, put ‘0’.
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 EU.
Please give us an idea of how much work you do where. Work out roughly what percentage of your annual turnover you generate in each of the geographical areas listed, making 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 geographical areas listed. Please make sure the total adds up to 100%. If you do all of your work under the laws of one geographical 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.
All therapists performing these treatments must have 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.
If yes, we'll restart this quote to cover "Aesthetics" treatments.
Please 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 .
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.
Animal Rights Campaigning
Animal Sanctuary
Beekeeping
Bird Sanctuary / Birds of Prey Events
Cat Rehoming / Welfare / Cattery
Dog Rehoming / Welfare / Kennels
Hedgehog Rescue / Protection Society / Sanctuary
Rabbit Rescue / Protection Society / Sanctuary
Zoo
Art Class / Teaching / Therapy / Studio / Gallery
Band / Instrument Group / Orchestra (e.g. Christian / Drum / Brass / Majorette / Marching / Pipe / Silver / Ukulele)
Choir / Choral / Operatic Society / Singing Group
Dancing Group (e.g. Country / Line / Morris / Sequence / Tea / Ballroom / Latin / Salsa / Barn / Ballet / Tap)
Music Society / Therapy
Parade / Carnival
Theatre / Drama Group / Amateur Dramatics Society
Benevolent Fund
Blood Bikes
Charity Shop
Civic Society / Trust
Community / Residents Association
Community Café
Community Magazine / Newspaper
Community Partnership
Community Radio / Radio Broadcasting / Hospital Radio
Community Transport / Patient Transport Service
Community Work
Crime Prevention Advice
Cultural Group / Society
Fundraising Group
Good Neighbour Scheme
Grant Giving
Litter Picking
Neighbourhood Group
Preservation Society
Recycling (Card / Glass / Paper / Plastic / Tins / Clothes)
Recycling (Electrical goods / Furniture)
Round Table
Social / Community Group
Talking Newspaper
Town Twinning
Advice Centre / Service / Advocacy
Alcohol Counselling / Education
Alcoholics Anonymous (AA)
Bereavement Counselling
Careers Advice / Service
Counselling Service
Debt Counselling
Drop-in Centre
Drug Counselling / Education
Gamblers Anonymous
General Health Advice / Information / Wellbeing Advice
General Lifestyle / Healthy Living Advice / Information
Homeless / Housing Advice / Support
Mediation and Arbitration Service
Narcotics Anonymous
Parenting Course
Academic Research Fund
Adult Education and Learning
Cookery Class
Cultural Education (Adult)
Education / Study Centre / Advice
Road Safety Awareness
Talks, Presentations, Conferences and Seminars
Blind / Visually Impaired Club
Coffee Mornings / Breakfast Club / Luncheon Club
Deaf / Hard of Hearing Club
Friendship Club
League Of Friends
Men's Group
Senior Citizens / Pensioners / OAP Group / Darby and Joan Club / Legion Club
Women's Group
Women's Institute (WI)
Agriculture / Young Farmer Group
Archaeological / Geologist Club
Astronomy Club / Research Society / Observatory
Bell Ringing / Handbell Ringing
Bingo
Board Games / Card Games / Bridge / Chess / Dominoes
Camera Club / Photographic Society
Car / Motorcycle / Motoring Club
Computer / Computer Games Club
Craft Class / Dressmaking / Knitting / Quilting
Debating
Film Club
Flower Arranging
Horticulture / Gardening
Literary / Book Club
Local History Group
Miniature Wargaming Club
Model Club
Ornithological Society
Photography (Classes)
Re-enactment Society / Group
Skittles
Stamp Club / Philatelic Society
Writing Group
Allotment
Community Garden / Municipal Park
Community Hall / Centre
Farm
Parish Council
Playing Fields / Park Group
Sport / Adventure Activity Centre / Camping
Village Hall
Woodland Trust / Wildlife Area
Activist Group
Community Action Group
Environmental Advice
Environmental Campaigning / Lobbying
Environmental Support Group
Government Campaigning / Lobbying
Human Rights Campaigning / Lobbying
Overseas Aid Distribution
Refugee / Asylum Seeker Support Group
Wildlife Forum
Chamber of Trade and Commerce
Historical Society / Antiquarian Society
Lions / Rotary Club
Military / Regimental Club / Association
Professional Body
Retired Servicemen's Club / Army and Navy Club / In and Out Club
Bible and Theological Studies / Bible Distribution
Burial Society
Chaplaincy
Church
Churches Together Group
Ecumenical Groups promoting Christian Traditions
Evangelism / Outreach
Healing Ministry
Missionary Society / Training
Religious Centre
Sunday School
Angling / Fishing
Athletics / Running
Bowls (indoor or outdoor) / Boules / Petanque
Camping
Climbing / Abseiling
Crazy / Mini Golf
Cricket / Baseball / Softball / Stoolball
Croquet
Cycling
Darts
Football (American / Gaelic / Australian Rules)
Football (excluding football played in a league)
Glacier / Gorge Walking
Golf Club
Gymnastics / Parkour / Freerunning
Handball / Netball / Volleyball / Basketball
Hill walking / Orienteering / Rambling
Hockey / Floorball
Keep fit / Aerobics / Yoga / Tai Chi
Martial Arts
New Age Kurling
Potholing / Caving
Riding School
Roller Blades / Skates / Skateboards / Skis / Sleds / Snowboards / Toboggans
Rugby
Shooting / Paint-balling / Archery
Surfing / Windsurfing
Swimming / Snorkelling
Table tennis / Tennis / Badminton / Squash
Weightlifting
Aid Agency
Befriending Service
Cancer Support Group
Care Work
Carers Support
Day Care Centre (Adult)
Disabled Access Audits / Support Group
Ethnic Support Group
Event Marshalling Service
First Aid Responders
Food Bank
Friends Support Group
Hygiene Bank
Job Club
Literature Distribution
Meals On Wheels
Mental Health Support Group
Nappy Library
Parent Support
Pastoral Support
Self-help Group
Signposting Service
Soup Kitchen
Student Support
Translation Service
Volunteer Bureau
Breakfast / After School / Out of School Club
Children's Nursery
Homework Club
Parent and Toddler Group
Parent Teacher Association (PTA)
Playgroup
School Holiday Club
School Outreach
Scouts / Guides / Beavers / Brownies / Cadets
Youth Centre / Club
Youth Support / Work / Outreach
Please tick as many boxes as you need to.If you’re not sure what to tick, check here or call .
Art, antiques, collectibles and memorabilia
Books, comics and magazines
Cameras and photographic materials
Ceramics, pottery, china and glassware
Clothing and shoes
Computer games, DVDs, CDs, records and tapes
Electrical appliances and computer equipment
Eyewear and glasses
Fabrics, knitting, sewing and needlecraft items
Food and drink, including alcohol
Garden and patio furniture and equipment (excluding power tools)
Homeware including furniture and soft furnishings
Jewellery, watches and clocks
Kitchenware and cutlery
Luggage and handbags
Musical instruments, sheet music and accessories
Office supplies, stationery and arts and craft materials
Pet supplies (domestic animals only)
Plants, flowers, seeds and horticultural goods (non-agricultural)
Sports, outdoor and camping equipment
Toiletries, cosmetics and beauty products
Toys and baby equipment
Wigs and hairpieces
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.
Advanced Botox
Advanced Dermal Fillers
Azzalure
Botulinum Toxin
Dermal Fillers
Fat dissolving mesotherapy injections (eg Aqualyx)
Fraxin
Hyaluronidase/Hyalase
Hyperhydrosis
IV Infusion therapy and Vitamin B12 Booster injections
Lidocane/Lignocaine
Medical Needling/Collagen Induction Therapy including the application of topical aesthetic cream
Mesotherapy all treatments
Micro-needling
Non-Invasive Brazilian Butt lift (BBL)
Platelet Rich Plasma (PRP) for facial /Neck rejuvenation
Platysmal Bands
PMP Bio Stimulation
Profhilo
Profound RF (Non Surgical face lift)
Revolax
Sunekos
Training other professionals in Band D treatments with 12 months full time experience and hold a Certificate of Education
Viscoderm Hydroboosters
Xela Rederm
Allergy Testing (Patch and Skin Prick Testing)
Application of branded third party skin care products
BB Glow
Brow Lamination
Caboxytherapy
Chemical Peels
Colon Hydrotherapy
Coolsculpt/Cryotherapy/Shockwaves/Cryotherapy
Cryolypolisis
Cryopen
Dental Blocks
Derma Pen
Derma Roller
Dermaplaning
Diet/Nutritional Advice
Distributor and product trainer of organic skin care products
Electrolysis
First Aid
General Beauty Treatments
Hair Growth/Rejuvenation using low-level light therapy
HIFU excluding Genitalia
Hii Pen, Hya pen and Hylauron Pen
Holistic Therapy
Hyperboost via Nappage
LED Light Therapy
Local Anaesthetic applications for Aesthetic Treatments
Microdermabrasion and Hydradermabrasion
Micropigmentation/Microblading and SPMU including the use of topical adrenaline during the application of this treatment.
Nappage all treatments
Non –invasive laser Body Contouring procedures
Oral and topical homeopathic remedies
Over the counter herbal and nutritional supplements
Phlebotomy
Phototherapy
Radio Frequency Treatments (excluding Genitalia)
Thread Vein Removal
Ultrasonic Cavitation
Ultrasound Rejuvenation (excluding genitalia)
Carbon Facial
CO2 Laser
Collagen induction therapy
Fractora and Fractional Skin Resurfacing
Fraxis
Laser (Non Ablative)
Microsclerotherapy
Needleshaping
Non Invasive Blepharoplasty
Non-cancerous Moles/skin tags/Cysts/wart/ milia, Campbell de Morgan spots, Verrucas, Toe nail fungus, Superficial Vascular Lesions, Keloid scars, Lentigo, Seborrheic/Actinic Keratoses,Dermatofibromas and Lipomas removal
Non-surgical Blepharoplasty using Plasma Technology
Piercing
Plasma Pen
Plasma Shower
PlasmaBlast (Fibroblast)
Scalp Miropigmentation/Tricopigmentation including the use of topical adrenaline during the application of this treatment
Sclerotherapy
Super Hair Removal
Tatoo Removal - Laser
Tattoo
Tattoo Lightening
Tattoo Removal - Non Laser
Thread lifting - PDO/Silhouette Soft - English domiciled must be registered with CQC
Laser – non surgical Vulvo-vaginal reuvenation
Laser (Ablative) /IPL skin types 1-6
Laser Hair Removal
Non-surgical treatments for nose and sinus allergies using U/V Phototherapy
Radio Frequency for Vaginal Treatments
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 (formally NARIC) showing that their qualification is comparable to RQF level 3.
The policy we'd like to quote does not cover claims from these activities.
The activities we need to know about are:
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.
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.
If your business started trading before 2010, we’ll have to have a quick chat. Please call us on 0345 561 0320
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.
This will go on your policy documents.
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 on 0345 561 0320.
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 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. 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.
We'll also send you risk tips and useful (we hope) information every now and then. It goes without saying you can opt out of these emails at any point.
We need their name or their business name. You both get £20 if you buy your insurance from us – we call it Pass It On.
Private Domestic Housing - Newbuild
Private Domestic Housing - Alteration and Repair
Commercial - Newbuild
Commercial - Alteration and Repair
Other/All Premises
As well as "Hairdressing", you can add up to three more business activities.
If you don’t do anything else, click "Next".
Answer ‘Yes’ if your organisation has contact with children and/or vulnerable adults.
If your organisation simply fundraises for one of the facilities listed, or signposts people to them, please carry on by answering 'No'.
But if you act as a service provider for any of these facilities, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.
By 'regulation or certification', we mean certifying people's qualifications or acting as a regulator.
If your organisation simply fundraises for one of the services listed, or signposts people to them, please carry on.
But if you provide actual services in any of these interest areas, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.
Please note that bodily or personal injuries arising out of any treatment or care provided by you are not covered.
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:
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?
Bona-fide contractors:This type of contractor generally works without your immediate supervision or direction, has their own insurance and provides their own materials and tools.
Labour-only contractors:These contractors usually supply labour only. They work under your direction and make use of your materials and tools.
Employees:Include both full-time and part-time employees.
We need to know how long you’ve worked in this business sector.
If you’ve made a claim on your professional insurance in the last 5 years, or something’s happened that might yet lead to a claim, please answer ‘yes’.
Please tell us about any claims you’ve made in the last 5 years, plus any incidents causing a financial loss you haven’t claimed for.
Your previous insurer may be able to help with this information. If you didn't make a claim for an incident, please tell us approximately how much your loss from it was.
Instagram, Twitter, YouTube, TikTok - most followers!
Tick as many as applicable.
Radio
TV
Podcast
Online boardcast