Solo Businesses
Our policy for Solo Businesses will provide Public Liability, Products Liability and Treatment Risk cover for you to work anywhere in the UK (including temporary work abroad up to 14 days excluding the USA/Canada). Cover will be provided whether you work mobile, from home or in a salon. You can also extend the policy to include cover for:
- Stock and Equipment
- Employers’ Liability
- Money
- Advanced Treatments
- Financial Loss (non-injury treatment extension)
- Legal Expenses
- Personal Accident insurance
Please note that if you work from home, you will also need to notify your home insurers to ensure that they are happy with you operating a business from home.
Business Owners
Our Business Owners package will provide cover if you own or manage a business premises and require cover for fixtures and fittings, contents and stock in addition to your public liability and treatment covers. Our Business Owners package can provide cover for the following:
- Fixtures, Fittings and Shop Front
- Stock and Contents
- Glass
- Goods in Transit
- Money
- Public, Products and Treatment Risk Liability
- Employers’ Liability
- Legal Expenses including employment disputes
- Personal Accident for Hands
Please note that your business premises (or the portion of the premises used by your business) must be self-contained and protected with locks which meet our minimum standards of protection. Further details can be obtained during the quote process.
If you own or manage a business premises and prefer not to purchase a Business Owners package you may choose to opt for a Solo Businesses policy but please be advised that there will be no cover for slips, trips or falls on your salon premises. You do need a Business Owners package to correctly insure your Public Liability.
Student Insurance
If you are studying for a UK recognised qualification and need to practice on fellow students, friends, relatives and members of the public for your case study or other work, you will need our student insurance.
You will be covered to work anywhere in the UK – at your home, in another person’s home or at your school or college providing:
- You only offer treatments or therapies that you have been trained in and you must be deemed competent to practise them by your school or college
- You must be under regular supervision and/or ongoing case consultation/review
- You must declare to clients in advance that you are not fully qualified
- Any fee charged must be evidently lower than an experienced and qualified therapist would charge