Introducing Our New Beauty and Aesthetics Insurance Scheme

Tailored Protection for Thriving Businesses

Here at smei, we’re excited to announce the launch of our new insurance product that specifically meets the needs of the beauty and aesthetics industry.

From running trendy salons to providing rejuvenating beauty treatments, we know you strive to make your clients feel and look their best. However, running any business comes with responsibility, and securing the right insurance cover is essential to safeguard you, your business and your clients. That’s why we’ve worked with a leading insurer to provide a specialist beauty and aesthetics insurance product, designed to address the unique risks you face in this flourishing sector.

Understanding Your Unique Risks

Beauty and aesthetics businesses are exposed to a variety of risks that require tailored protection. Daily tasks involve the use of potentially hazardous tools, chemicals, and equipment, which can lead to accidents or injuries.

As well as this, your clients' high expectations can sometimes result in claims for unsatisfactory services, causing reputational damage to your business.

Natural disasters, theft, and unforeseen disruptions can also bring your operations to a standstill, leading to significant financial losses. We provide access to insurance products that address these specific risks and provide comprehensive cover to hair and beauty businesses across the country.

Comprehensive Coverage for Beauty and Aesthetic Professionals

Customers can access a range of covers to create an all-encompassing package, allowing you to focus on delivering top-notch services without fear of potential setbacks.

Key features include:

• Public Liability Insurance: Protects against claims arising from accidents or injuries sustained by clients or third parties on the business premises.
• Professional Indemnity Insurance: Covers claims related to errors, omissions, or subpar services, ensuring financial protection against dissatisfied clients.
• Business Interruption Insurance: Provides cover for lost income and ongoing expenses during periods of business interruption due to covered events like fires, floods, or theft.
• Property and Equipment Insurance: Safeguards the physical assets of the business, including valuable equipment, furniture, and stock.
• Employers Liability Insurance: Obligatory for businesses with employees, this cover protects against claims from staff members who experience work-related injuries or illnesses.
• Cyber Liability Insurance: As digital risks grow, this cover safeguards against data breaches and cyber-attacks, protecting sensitive client information.

A Flexible, Tailored Policy for your Individual Needs

We understand that no two beauty and aesthetic businesses are the same. Therefore, this new insurance product can be tailored to meet your business’s unique requirements. Whether you run a small boutique salon or a high-end spa, our dedicated team of experts are on hand to help you. We’ll work closely with you to design a policy that precisely matches your needs, mitigating any potential gaps in cover.

Our comprehensive cover options, personalised policies, and streamlined claims process are ultimately designed to provide you with peace of mind.  When you know you have tailored insurance cover, you can relax knowing your business should thrive through any challenges you may face.

The hair and beauty industry is fast paced. As a specialist broker in this sector, we aim to stay ahead of the trends by offering cover for advanced treatments that you may struggle to find options for elsewhere.

As the industry evolves, we’ll continue to adapt our offerings to stay ahead of our clients’ evolving needs.

To find out more about our new hair and beauty insurance scheme please get in touch here or visit our hair and beauty pages for more information.