Treatment Risk insurance provides protection against claims by third parties alleging injury from treatments they have received at a nail bar, spa, hairdresser or similar beauty-based business.
Many businesses assume that Treatment Risks are automatically covered by the Public Liability insurance, but this is not always the case and it is well worth checking with your provider to see if you are covered. Disclosing the full range of treatments you offer is key to ensuring you are covered correctly.
Treatment Risks cover is also worth considering if you do any cleaning work as part of your business, as it can help to cover carpets, upholstery and furniture should it be damaged while you are cleaning it. If you are using chemicals or solutions that cause discolouration or other damage to areas being cleaned then you should consider a policy offering this cover.
What kind of cover is available under Treatment Risks?
- Washing, cutting, styling and drying of the hair
- Tinting, dyeing, bleaching, permanent waving or special treatment of the hair normally carried
- out by a hairdresser
- Eyebrow and eyelash plucking shaping and tinting
- Manicure and pedicure (but not chiropody) including the application of acrylic coatings
- Application of cosmetics and facial masks including ionisation and steaming Treatments
- Application of proprietary hair removal preparations other than electrolysis
- Normal hairdressing work on wigs and hairpieces
- Ear piercing by the gun and stud method
- Cover for carpets, upholstery and similar items
Any new treatments undertaken or cleaning activities which require cover should be referred to your insurer prior to commencing the activity, as additional information may be required before cover is granted. It is worth taking the time to arrange additional Treatment Risks cover carefully to ensure your business is protected correctly.