Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for a beauty consultant?

Claims against your business for:

For example:

• you spill hot coffee over a client during a meeting, causing a burn
• a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
• one of your employees causes extensive damage to your client’s property when reversing their van

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury to someone you employ, including contractors and temps, that happens as a result of working for you
• a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
• a temporary employee traps their hand in a door at your premises, causing several fractures
• a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

• theft or vandalism to your office furniture or business equipment
• damage or destruction caused by fire or flood

For example:

• a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
• someone forces entry to your business premises and graffitis your office furniture
• a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for disputes relating to debt recovery, including judgement enforcement
• disputes with debt collectors, or any party who takes legal action against you, as a result of identity theft
• costs and expenses for contractual disputes arising from an agreement

For example:

• one of your clients isn’t happy with your work and believes you haven’t met the contractual requirements
• someone gets access to your company’s bank details and uses them to buy goods and services
• your client is disputing a contract they had with you on the provision of a service

Read more about business legal insurance

Professional indemnity

In case a client loses money because of your advice, services or designs.

What’s typically covered by professional indemnity insurance for beauty consultants?

Claims against your business for:

• bad and negligent advice that becomes costly for your client to fix
• errors in your work that lead to fines, claims, or other losses for your client
• other mistakes including problems in training and certification, or mishandling sensitive data

For example :

• you lose a client’s important documents or data and they claim for financial losses
• you publish a false statement that damages a person’s or business’s reputation
• you need to pay to fix a mistake or compensate your client following a dispute

Read more about professional indemnity insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• loss of stock, and theft or malicious damage to your stock
• damage or destruction to stock caused by fire or flood
• the essentials you keep as stock – the items you need to sell to operate

For example :

• flooding in your storage unit destroys your stock
• you make a big Christmas packaging order that’s stolen while you’re speaking with a supplier
• someone drives into your shop, smashing the windows and destroying a week’s worth of stock

Read more about stock insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• the cost of the excess you’d have to pay when making a claim on a cover included in your beauty consultant insurance policy

For example :

• strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
• a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
• a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance