Professional Treatment Liability Insurance is suitable for businesses such as hair dressers, beauty therapists, nail technicians and barbers. It provides cover against the financial consequences as a result of being sued by a client either due to negligence or malpractice caused by the treatments provided.
These costs include legal costs and awards.
Professional Treatment Liability Insurance is usually purchased as an extension of Public Liability Insurance. This covers the cost of legal action and compensation claims made against your business if a member of the public is injured, or their property suffers damage, whilst at your business premises or when you are working in either their home, office or business property.
What does Professional Treatment Liability Insurance cover?
Common causes of claims might include burns from hot wax treatments, allergic reactions to hair products or chemical peels.
Cover is usually provided up to a limit of £1,000,000 for any one incident. Although £2,000,000 and £3,000,000 are becoming more common.
Insurance policies for Professional Treatment Liability can greatly differ from one another. Many offer cover for different treatments as standard. While some Insurance companies limit the range of treatments. Therefore it’s important to review the cover you need and an Experienced Insurance Broker can assist with this.
The treatments covered might include :-
- Tinting, colouring, bleaching, and permanent waving of hair
- Hand, nail and foot care
- Ear and body piercing
- Waxing and epilation treatments
- Eye and eyebrow treatments
- Various facial treatments involving the use of make up and cream
We are Experienced Insurance Brokers, based in Essex, and can help ensure you have the right level of cover.
If you would like us to talk you through Professional Treatment Liability Insurance, or another type of Insurance, please get in touch with us. We can offer a no-obligation quote too. You can contact us:
- Through our Live Chat
- By emailing us at firstname.lastname@example.org
- You can also call us on 01708 289 525