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insurance


Does the policy cover ClaimsMade or Claims Occurring? “For the beauty and complementary sectors this is vitally important. It is very common for a client to make a claim over a year after the initial treatment that caused the injury. If you have a ClaimsMade policy, you are only insured / covered whilst you are with the insurance company. So if a claim is made and you are no longer insured with that company you aren’t covered.A Claims Occurring policy covers you for the time the incident happened so you can rest assured that even if you are no longer practising treatments, your policy is still protecting you over the time you were insured with that company.


“Most cheaper insurance policies operate a ClaimsMade policy.The Claims Occurring policy is always the best option for professional therapists.


Is the insurance provider an


industry specialist? “Always ensure that you source your insurance froman industry specialist with a proven, long established track record in the beauty and wellness sector. This will ensure the treatment list that they cover will be extensive and directly relevant to your business. Industry specialists have a thorough understanding of treatments and are continuously updating their policy to ensure they provide themost comprehensive and concise protection.


“It alsomeans that the claims process is often far quicker as they have experienced underwriters who canmake informed decisions quickly and effectively on your behalf.”


how to get insured


If you are a student, you can gain student insurance policies which will cover you for case studies and supervised treatments. If you are a professional therapist youmust be fully qualified and have your certificates as proof.


Online&by phone


Most insurance companies / brokers have comprehensive websites which allow you to view policy details and apply online so you can compare policies and read the small print at your own pace. If you are unsure of anything, telephone the company to discuss your concerns before committing online.


In person


Many industry specific insurers exhibit at national beauty trade shows, offering ‘show specials’on their prices, plus the chance to speak to staff one-to-one.


Through your product supplier


Some product suppliers have partnered with leading insurance providers to offer you insurance cover once you have passed their qualification. For example, LenaWhite Ltd offer insurance cover which includes £6million Public Liability Insurance, £6million Products Liability Insurance and £6million Treatments Liability Insurance plus a year’s subscription to a trademagazine, free trade show entry, free website listings, badges and stickers, and cover for all nail treatments including manicure, pedicure and enhancements.


By joining a membership organisation


Not only domembership organisations, such asAssociated BeautyTherapists, offer some fantastic benefits to therapists and salon owners, theirmembership packages also include insurance, which can be tailored to your specific needs depending on your business and the types of treatments you offer.


These organisations offer an annual membership which, as well as insurance, often includes business support such as a legal helpline, tax advice, discounts on training and education and trade magazine subscriptions.What’smore, theirmembership badges, certificates and window stickersmean that you can advertise that the level of your expertise has been recognised by a national organisation.


“Remember your insurance is there for your benefit and to protect you in the event of an accident, injury or reaction – be that to a client ormember of staff,” concludesMarie-Louise. “For the small amount it costs, the peace ofmind and assurance that you are covered is huge, and quite honestly invaluable.”


GUILD NEWS 89


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