Whether you are a generalist beautician or you have your own business specialising in eyelash treatments, you need to make sure you have liability insurance in your beauty kit.
Whilst eyelash extensions and other eyelash treatments such as LVL lashes and tints are generally considered safe, as with any beauty treatment, there can be risks. Accidents can happen from time-to-time and if your customer is injured you could be held liable for their damages. There is also the possibility that your customer may have a reaction. Eyes are delicate and very susceptible to damage - even the most experienced of practitioners need to be cautious.
That’s why it is so important to have the right eyelash technician insurance in place to cover any eventuality and protect you and your business. It is also important to pay close attention to policy wordings for any exclusions, after all, the worst time to realise you’re not covered is when you come to make a claim.
We’ve looked at some of the key types of beauty insurance for eyelash extensions that you may need and what type of protection they each offer.
Public Liability Insurance
As a beautician or eyelash technician your business involves connecting with the public, therefore public liability insurance should form an integral part of your eyelash technician insurance package.
It covers compensation claims and legal costs should an incident happen at work that causes injury to a customer, a member of the public or damages someone’s property.
Product Liability Insurance
Product liability insurance is designed to help protect you if someone alleges they have been injured, or their property damaged, by a product sold or supplied by your business rather than something you have done or failed to do.
For instance, you could be held liable if an eye care product caused a client’s eye to react. Although you didn’t manufacture the product, you did sell it and could be held liable.
Employers' Liability Insurance
Employers' liability insurance is there to protect you and your employees if they are injured or fall ill as a result of the work they undertake for you.
Employers' liability insurance is designed to pay any compensation awarded against you, plus any legal fees incurred in the event that an employee, or a former employee, claims compensation for a work-related illness or injury.
This type of liability policy is similar to products and public, but rather it covers compensation claims made against you by your employees.
No matter the size of the team you employ, even if you only have one member of staff working on a part-time basis, you are legally required to have employers' liability insurance.
Other Types of Insurance
There are a number of other covers to consider as part of your eyelash technician insurance, from business interruption to tenants' improvement cover. Property damage is another one to think about, as if your business property is damaged or stolen, you don’t want to be left footing the bill. It is worth bearing in mind that it isn’t just the equipment you need to carry out the eye treatments that you need to protect, it is also your computer or other electronic equipment you use to make your bookings – it can all start adding up.
It is also worth considering personal accident and sickness cover. This ensures you are covered if you’re unable to work, either by paying you a weekly amount if you’re off work on a temporary basis or by paying a lump sum if you’re off work permanently.
Smei have years of extensive knowledge protecting businesses like yours. To find out more about the covers we are able to provide, call us on 0330 134 4564 or click here to get a quote.
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