Quotation Request

Beauticians

Your details
Your covers
Notes
About you and your business
Calculations
Optional Covers

Your details

Name
Company name
What date was your organisation established?
Estimated turnover for the next 12 months
£
Address
Email address
Please provide your email address. We will not share this with anyone and will only be used for sending your insurance documents and payment schedule


When would you like the policy to start?
This can be up to 45 days in the future
If you have a promotional code please enter it here

Your covers

As standard we provide cover for your business which includes £2,000,000 of combined treatment and professional liability and public and products liability as well as £1,500 of property away and in transit. These covers are explained below and can be enhanced with optional extras to increase your coverage all prices quoted below exclude Insurance Premium Tax (IPT)

Professional, Treatment and Public & Products Liability Insurance


This product has been designed specifically to protect business like yours. It is made up of two main covers:

Treatment and professional liability

INCLUDED

This helps protect your business against claims of negligence, malpractice and breach of confidentiality

Public and Products Liability

INCLUDED

This helps protect your business against legal fees and compensation payments if a client or member of the public were to make a claim against your business.
Details about your insurance:
Within your policy, Treatment and Professional Liability as well as Public and Products Liability are provided together with a maximum amount you can claim for in any policy year. We call this amount the aggregate limit – this is what Hiscox will pay for the total of all covered claims and losses, regardless of the number of claims or incidents of loss under both Treatment and Professional Liability as well as Public and Products Liability.

Property away and in transit


Works to help protect your valuabale kit against theft, loss and damage. It helps cover common business items like laptops and company smartphones, as well as specialist kits.

Additional Notes

Additional Notes

About you and your business

Please answer these questions honestly and to the best of your ability, any misrepresentation could impact your ability to make a claim
Within the past 10 years, have you or any of your directors, partners or other board members, or any entities for which such persons act or acted as board members, been the subject of any insolvency process?
Have any of your directors, partners or other board members ever been:
a. disqualified from acting as a director of a limited company or member of a limited liability partnership; or
b. convicted of or charged with a criminal offence, other than a conviction spent under the Rehabilitation of Offenders Act 1974?
Have you ever had any insurance policy avoided or cancelled?

Professional, Treatment Liability


Do you carry out all of your work within the United Kingdom?
Where do you carry out your work (%): Please ensure these add up to 100%
UK
Republic of Ireland:
Europe (excl UK & Republic of Ireland)
USA and Canada
Rest of the World
Do you currently purchase treatment liability insurance?
What is the date from which continuous treatment liability insurance has been in force?
Do you keep client records, including details of services provided, for at least three years?
Do you, and anyone who carries out work on your behalf, always handle, use, sterilise and store all instruments in accordance with manufacturers instructions?
Do you, and anyone who carries out work on your behalf, hold a recognised professional qualification and have relevant experience to undertake your activities?
Do all therapists hold a Million Dollar Facial System Training qualification (Platinum technician)?
Do all therapists hold a NVQ level 2 or equivalent qualification in respect of Hair, Nail & General Beauty treatments?
Do all therapists hold an NVQ Level 3 in respect of:
Microneedling (over a depth of 3mm);
Dermabrasion;
Microdermabrasion;
Hyperdermabrasion;
Micropigmentation;
Semi-permanent makeup;
Mesotherapy via microneedling (including dermaroller, dermapen and dermastamp);
Hydrafacial;
Or electrical facial treatments including CACI?

You are covered for the Million Dollar Facial treatments listed here. Do you need any cover for activities which are not listed?

You are covered for the Million Dollar Facial, Standard Beauty, Hair, Massage and Holistic treatments listed here. Do you need any cover for activities which are not listed?

You are covered for the treatments listed here. Do you need any cover for activities which are not listed?

The full list of business activities will pop up in a new tab.
Do any of your beauty activities fall outside of the below: Temporary hair removal and bleaching; Hair dressing and barbering; Makeup and spray on tan applications; Nail extensions and treatments; Eyelash and eyebrow treatments.; Facials; Facial peels (glycolic under 40% strength); Body wrapping; Ear piercing; or Electrolysis for hair removal and thread vein treatment?
Do all therapists hold an NVQ Level 2 or equivalent in respect of Hair, Nail & General Beauty treatments, or hold an NVQ Level 3 in respect of:
Microneedling (over a depth of 3mm);
Dermabrasion;
Microdermabrasion;
Hyperdermabrasion;
Micropigmentation;
Semi-permanent makeup;
Mesotherapy via microneedling (including dermaroller, dermapen and dermastamp);
Hydrafacial;
Or electrical facial treatments including CACI?

Public and products liability



Do you sell, supply, manufacture, install, repair or service any products?
Estimated products turnover?
£
Do you come into contact with children or adults at risk as part of your activities?
Do you provide any care, or overnight services or one-to-one services to children and / or adults at risk?
With regard to the protection of children and adults at risk, do you:
• maintain a robust and up-to-date written safeguarding policy;
• carry out all prescribed safeguarding procedures, including identifying risks and DBS checks as required; and
• investigate and keep a written record of all concerns raised, reporting matters to the relevant local authority as appropriate?

Previous claims and circumstances



Have you or any partner or director of the business had any previous claims or losses in a business capacity within the last five years, whether previously insured or not?
Are you aware of any circumstance or incident that may give rise to a loss or a claim being made against you?
Please provide details of previous claims or circumstances which may give rise to a claim

Calculations

Rate version
TPL PPL LoI
£
PAIT Sum insured
£
Postcode area
TPL Promo
£
PAIT Promo
£
General terms and conditions
Property definitions
TPL wording
PAIT Wording
Money wording
Crisis containment wording
TPL Geographic limit
Business activites
TPL PPL Wording

Optional Covers

Do you own or are you responsible for business contents at a fixed location?
Do you want to insure any business contents, stock or equipment that you keep in a fixed location?
Contents insurance helps cover the cost of repairing or replacing the contents of your workplace whether it is a salon or studio. It can help cover such things as glass breakages or theft/damage of expensive equipment needed to run your business.
What is the total replacement value of your contents?
To provide an accurate estimate please include items such as computers; stock, samples and goods held in trust; works of art or precious metals; tenants improvements, decorations, fixtures and fittings and general contents; and pipes, ducting, cables, wires and associated control equipment within the business premises and extending to the public mains.
If you insure your contents for less than their total replacement value, any amount paid to you in the event of a claim could be reduced by the same proportion that you are under insured.
£
Do you own or are liable for a building which you operate your business from?
Do you want to insure any building used in relation to your business?
What is the replacement cost of your buildings?
£
Is the address to be insured the same as your correspondence address?
Address to be insured: