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damages to members of the public for death and injury or damage to property or possessions, which has resulted from the business's activities.


“Whether you are a mobile therapist or you have your own business premises it is strongly advised that you have this cover. Potentially a client could claim for an injury they have sustained on your premises or if you have visited their home and the injury is a direct result of the treatment activity / equipment used.


Product Liability Insurance


“A ‘product’ is defined as any physical item that is sold or given away. There is always the possibility that the client might have an adverse physical reaction to the product supplied.


“As you might be retailing treatment products or even giving samples / products free of charge as a ‘goodwill gesture’ it is vitally important your insurance policy includes this. Legally a claimant will usually try to claim from the


the irish beauty guide to busting insurance jargon...


• Broker? An insurance broker does a similar job to an agent, negotiating between two parties i.e. you and the insurance provider. Brokers often offer insurance to a particular industry or professional area, so can offer you insurance specific to your needs.


• Excess? An excess is the amount of money you will have to pay should you make an insurance claim. For example, if your excess is £100, you pay the initial £100 of any claim and the insurance company pays the rest.


• Policy? Your insurance policy is a printed document which serves as the contract between you and the insurer, and details the terms and conditions of your insurance cover.


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Business - Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Buildings Insurance


person who provided them with the product in the first instance, even if they did not manufacture it. If you are making your own health care / skin care products this form of insurance is essential.


Professional Indemnity Insurance


“This protects your business against claims for loss or damage made by a client or third party if you make a mistake or are found to have been negligent in some or all of the services you provided.


“This could be a physical act or verbal in the form of treatment advice etc. Again for the nature of the relationship between a therapist and client it is essential you are covered for this. It is crucial to keep fully documented pre and post care consultation records and treatment advice cards for your clients.


Medical Malpractice / Treatment Risk Insurance


“This is professional negligence by action or inaction by a health care provider in which the treatment provided falls below the accepted standard of practice in the medical community and causes injury or death to the client / patient.


“With the ever increasing number of Cosmeceutical treatments such as facial peels and injectables being offered by therapists there is an increasing risk that a treatment could fall into this category. The risks of an adverse reaction can be great and there can often be permanent or severe scarring which produces very expensive claims due to physical and psychological damage that clients can claim against the therapist for.


“As a minimum requirement, ensure your insurance policy covers you for all of the above, many companies will also offer you legal and tax protection too at no extra cost.”


Employers Liability Insurance


Employers Liability insurance is not compulsory in the Republic of Ireland, however you are responsible for the health and safety of your employees whilst they are at work. Employers Liability insurance will enable you to meet the cost of compensation for any injuries or illness which any member of your staff experience whilst working for you. Therefore, protecting yourself and your business (which you could lose if an expensive claim is made against you) is important.


Buildings Insurance covers the structure of your property and any fixtures or fittings. Cover allows for the cost to repair or rebuild your property if it is damaged. If you rent or lease your premises, check with your landlord as the property owner should take out the Buildings Insurance policy.


Contents Insurance


Contents Insurance will cover equipment, furniture, fixtures and fittings and stock, and tenants’ improvements if you rent the property. Some policies may also cover an amount of cash that you have on the premises. Think what would happen to your business if all of your stock and equipment was stolen and you didn’t have Contents Insurance cover to replace the items?


Mobile therapists


Some professional therapist policies cover treatments both performed on salon premises and outside, so if you carry out treatments in more than one location, look for a policy that covers you at multiple locations.


However, if you’re a mobile therapist / nail technician, you’ll know that your vehicle is an important part of your livelihood. If your car was damaged, how would you reach your appointments? It’s likely that you already have car / vehicle insurance - as this is compulsory by law - however make sure you double-check your policy for the following:


The vehicle is covered for business use:


Your insurer should be made aware that your vehicle is used as part of your business activities, as the majority of standard policies only cover vehicles for what is known as ‘social, domestic and pleasure’ purposes. If you fail to tell them this you could find your insurance invalidated if you need to make a claim.


You have adequate contents insurance:


It’s equally important that the contents of your mobile kit are covered by your vehicle insurance, in case your car is stolen or broken into. Again, contents cover does not always come as standard. Will the insurance company replace items as new, or cover them based on the equipment’s age and market value, or not replace them at all?


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