Balens have been a major supporter of the Hair and Beauty Profession for many years, being the Insurance Broker of choice for many Hair and Beauty Professional Associations. For those that do not wish to take advantage of a Membership Association, we are able to offer our Professional Indemnity Policy direct.
As an individual practitioner or business owner, you can be held legally liable for loss or damage to other people’s property, plus injury, harm or financial loss alleged to have been caused to your clients, patients or other parties. Balens Professional Liability and Malpractice insurance policy has been specifically designed to protect you in these circumstances and includes many important additional features that other policies may not cover, reducing the risk that you won’t be covered, should the unfortunate occur.
Our bespoke to Balens policy, cover is very wide ranging, and includes all standard hair and beauty activities. More specialist activities including fillers and injectables are also able to be covered for an additional premium.
Benefits of the Balens Hair & Beauty Professionals Liability Insurance Policy:
The Balens Professional Liability & Malpractice insurance policy has been designed for Hair and Beauty professionals / therapists / practitioners that provide advice, treatment, activities and / or therapies to members of the public. The policy has the following areas of cover:
And DAS Legal and Taxation Policy that includes:
All policies are subject to Terms and Conditions.
Optional Extensions to cover:
Please contact us to get a personalised quote for your practice:
Affinity Schemes
If you are a member of any Association or Training School who hold a customised insurance scheme with Balens, you will be eligible for discounted rates. If you are not, you will be able to join our Individual Bridge Block scheme for Health and Well-Being Professionals.
Other policies services which may be useful:
Balens have a range of additional policies that you may wish to consider as part of your insurance portfolio.
- Additional Treatments – most higher risk treatments can also be included for an extra premium, including injectables and fillers.
- Business Protection – for when your contents or stock exceed the limits of our All Risks Policy. Also includes Employers Liability Insurance, which is a legal requirement when employing staff / volunteers.
- Clinic / Salon Policy – As your business grows you may need to cover the business and business name for the work, treatments and / or advice of more than one person. Balens offer two options of cover designed to cater for this need, Contingent Cover and a Full Clinic Policy. The ‘Clinic’ policy can cover work performed by other qualified professionals, whether employed or self-employed that work under your corporate name. Please also see our Article – Do you run a Multi Profession Clinic?
- Health Products Insurance Package – Balens have devised a package policy for Health, Wellbeing, Fitness and Beauty Professionals that may be involved in the manufacture, sale and / or distribution of related products.
- Cyber / Crime Insurance – Your business may be at risk if you use any form of internet-based technology within your business or for the storage of data. Cyber / Crime insurance is designed to protect businesses and individual users from these risks, including such elements as theft of funds, loss of data, online fraud, transmission of a virus.
- Training Schools – If you hold a Professional teaching qualification and are a qualified Health, Wellbeing, Fitness or Beauty Practitioner who wants to train and certify others, Balens offer a Teaching School Insurance for an unlimited number of students.
If you are looking to offer training which issues certificates of attendance only, this is automatically included in our Balens Professional Indemnity policy with no limits and for no additional premium. If you are issuing certificates of competence, a Training School extension can be added to your Professional Liability policy for an additional premium (limits apply). Please also see our Article – Do You Treat & Teach or Do You Need A Training School Policy? - Personal Accident and Sickness Policies or Income Protection – This cover may be of particular importance for those that are self-employed and have no alternative income. Balens have devised and arranged a policy designed to pay out either a lump sum or a weekly benefit (if selected) in the event of an accident, bodily injury to you and /or illness depending upon the type of policy chosen. Please also see our Article – Personal Accident and Sickness Cover.
- Household Insurance – Please contact us to find out more about how we can assist you with protecting your buildings, contents and / or personal possessions. Also see our Article – Home Insurance for more information.
Here are just some of the Therapies / Activities we are able to cover:
- Aromatherapy and Blending Essential Oils for Retail
- Barbering & Shaving
- Body Wraps
- Depilatory Creams
- Ear Piercing - Lobe Only
- Electrical Epilation
- Eye Treatments - Shaping, Tinting, Perming, Eyelash Perming and False Eyelashes
- Facials
- Hair Shampooing, Cutting, Styling, Drying, Colouring, Permanent Waving and Hair Extensions
- Holistic Therapies including Indian Head Massage, Hopi Ear Candles, Reiki etc.
- Make-up
- Manicure
- Massage (including Deep Tissue)
- Microdermabrasion
- Micro Epidermal Skin Abrasion
- Nail Art & Extensions
- Pedicure
- Self-Tanning & Spray Tanning Treatments
- Spa Treatments
- Hot Stones Massage
- Sugaring - Strip and Paste
- Student Case Studies under supervision
- Threading
- Tooth Decoration
- Waxing - Hot and Warm
- And many more
Contact Us
Our team is here to help you choose the right insurance for your needs, provide guidance on claim prevention and support you in the event of any claims.
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