Beauty Insurance FAQs

We have two main types of beauty and hair policies. Our standard policy covers traditional non-medical beauty and hair treatments and you can choose to include: – Indemnity for public liability up to £5,000,000 – Stock, equipment and cash cover up to £5,000 (cash cover up to £500) on an all risks basis including accidental damage and theft. For anything else, we can build a bespoke beauty cover. This includes:

  1. A greater range of more extensive treatments such as needlework and chemical peels
  2. Salon & Contents Cover
  3. Employers liability
  4. Medical professional indemnity from £500k to £10m+
  5. Legal protection + many more.

Your excess depends on the type of treatments you need cover for. If you are performing standard beauty treatments ( for example nail extensions or massage), you are responsible for the first £100 of a claim. Alternatively, if you need cover for advanced treatments, such as Botox, your excess will depend on which treatments you perform and you will have to speak to an agent to find our your particular excess.

We can insure both non-medics & medics for needlework including botox and dermal fillers. For non-medics we require NVQ Level 3 in beauty therapy or Anatomy & Physiology Level 3. We also require 6 months’ experience in medical needling i.e. micro-needling, SPMU and microblading.

We have two main types of beauty policy. We have standard cover for freelance and mobile beauticians practising non-Invasive treatments. This covers you working from home, going out to clients’ homes and renting a chair within a salon. We have advanced bespoke cover for individuals performing cosmetic and aesthetic treatments including more extensive treatments such as needlework and chemical peels, beauty or hair salons, as well as employee cover. Our advance cover can be built to include all the locations you work from. Just speak to an advisor to find out more.

Unfortunately, purchasing a policy outside the UK is not possible. Our policies are intended for use by UK domiciled individuals and comply with appropriate UK legislation and regulation.

Most insurers within the UK have now applied exclusions within their insurance effectively ruling out cover for COVID 19. Pandemic cover can be sourced from specialist insurers.

For treatments performed on under 18’s a parent must be present throughout the treatment and have signed a content form before the treatment starts. Age limits can vary with insurers, so if you’re in doubt, please contact us.

Our policies can cover teaching, providing you have a teacher’s qualification in the treatment you are teaching and the relevant experience. Teaching cover can be added to any of our policies. Speak to us and we can get it added for you.

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We have two main types of hair and beauty policies. We have standard cover for self-employed or mobile beauty/hair professionals practising non-invasive treatments. This policy can be quoted & bought online – please select the option below. We have advanced bespoke cover for – Beauty professionals performing cosmetic and aesthetic treatments including more extensive treatments such as needlework and chemical peels. – Salon owners – Employee cover Due to the nature of this advanced cover, we need to speak to you for a quote.

You can either amend your policy using the customer portal by selecting the relevant policy and clicking “Make a change”. Alternatively, you can email us at hello@insyncinsurance.co.uk or use our Live Chat/Messenger Service. If you would prefer to speak to somebody, then you can phone our Customer Services team on 03308087851.

Our advanced beauty cover is personalised to include any or a combination of the following: – Non-medics or medical professionals practising advanced cosmetic and aesthetic treatments (including. freelance and mobile) – Salon owners – Training schools + many more. You can get a quote and buy our aesthetic cover online here: https://secureaesthetics.insyncinsurance.co.uk/ .

Our personalised advanced policy can cover you for a number of treatments, depending on your experience and their acceptance criteria, including the following treatments:

  • BB Glow Bio Revitalisation
  • Botox
  • Cellfina Collagen Induction Therapy
  • Cellulite Reduction
  • Chemical Peels
  • Derma Pen
  • Dermal fillers
  • Dermaplaning
  • Derma-rollers
  • Fat Dissolving (inc. Desoface/Desobody, Aqualyx™, Sunekos, Lipo-lax)
  • Fibroblast Micro-needling
  • Fibroblast/Plasma Pen
  • Invasive Brazilian Butt Lift
  • Laser/IPL Laser Lipolysis
  • Mesotherapy Skin Rejuvenation
  • Microblading
  • Non-Invasive Brazilian Butt Lift,
  • Phlebotomy Plasma
  • Photon Light Therapy and LED Facials
  • Plasma Skin Tightening Treatments
  • Radio Frequency for Vaginal Treatments
  • Red veins, Thread veins, Milia, Spider veins, Skin tags, Verrucae, Non-Benign warts
  • Rejuvenation Meta Therapy
  • Sclerotherapy
  • Semi-Permanent Make-up
  • Sunbeds
  • Tattoo and Permanent Make-up
  • Teeth Whitening
  • Thread Lifting
  • Ultherapy High-intensity focused ultrasound
  • Ultrasonic (Lipo) cavitation
  • Ultrasound
  • Weight Loss Lipolysis
  • Xela Rederm Ozempic

We accept UK-accredited courses. We accept some online courses, please see the online courses below. We can insure both non-medics & medics for needlework including botox and dermal fillers. For non-medics, we require NVQ Level 3 in beauty therapy or Anatomy & Physiology Level 3. We also require 6 months’ experience in medical needling i.e. micro-needling, SPMU and microblading. If you have a question about whether we accept your qualification, please request a callback or speak to an agent.

We are happy to accept online UK ACCREDITED courses for the following treatments: – manicuring (including nail extensions and nail art) or pedicuring. – application of cosmetics, spray tans, Indian head massage or aromatherapy (other than aromatherapy to pregnant women), application of body jewels – Alternative therapies (& Reiki, spiritual healing, readings etc) – Eyelash treatments including tinting, shaping, threading, extensions – Life Coaching and Counselling – Hopi Ear Candling If your course isn’t listed, please speak to us as we may still be able to provide cover on a bespoke policy.

Our standard cover list of treatments can be found below. You will be able to change the required limit of Public Liability and pick any additional extras you may need on the online quote & buy form. This cover is only suitable for self-employed or mobile beauty/hair professionals running a sole trader business. Our standard policy covers you for any or a combination of the following:

  • Abrasion Microdermabrasion
  • AHA/glycolic acid treatment
  • Application of Body Jewels
  • Application of Make-Up & Cosmetics
  • Aromatherapy massage
  • Barbering
  • Basic Micro-Current Treatments LED light therapy
  • Body massage
  • Brazilian blow-dry
  • Brow lamination
  • Exfoliation scrubs
  • Eyebrow tinting
  • Eyelash extensions
  • Eyelash perming
  • Eyelash tinting
  • Facials
  • Hair colouring ( including highlights, bleaching, toning, and lowlights)
  • Hair extensions
  • Hair heat treatment
  • Hair Perming
  • Hair removal: plucking, threading, hot & cold waxing, electrolysis, sugaring
  • Hair washing
  • Hair weaving
  • Haircutting
  • Hairdressing
  • Hairstyling
  • HD brows
  • Henna brows
  • Hopi ear candling
  • Hot stones
  • Indian head massage
  • Ionization
  • Life coaching
  • Micro Epidermal
  • Nails & Manicuring (including polish, shellac, gel, nail extensions, nail art)
  • Piercing (gun and stud only)
  • Readings
  • Reiki Spiritual healing
  • Spray tans

Please read the T&Cs on the online quote form.

Patch Test requirements are laid out by the manufacturer of any products you are using. If your product requires a patch test / re-patch test, this will need to be followed to satisfy your insurance.