Professional Indemnity & Liability Insurance - Beauty Industry

Professional indemnity (PI) insurance for beauty therapists protects you if a client claims your advice, treatment, or professional service caused them harm, injury, or financial loss.

What it covers.

• Claims of negligence or error (e.g., wrong treatment advice, incorrect skin analysis)
• Injury or adverse reactions (burns, scarring, allergic reactions)
• Legal defence costs (even if the claim is unfounded)
• Compensation or settlements if you’re found liable

 

Common treatments typically covered

• Facials, skincare treatments
• Waxing, threading
• Massage (non-medical)
• Nails (manicure/pedicure, gels, acrylics)
• Lashes and brows
• Basic electrical treatments (e.g., microdermabrasion, depending on policy)

Higher-risk treatments (laser, IPL, injectables, advanced aesthetics) usually need specific extensions or specialist policies.

 

What’s usually not covered

• Treatments you’re not qualified or insured to perform
• Product defects (that’s product liability)
• Criminal acts or intentional harm
• Medical procedures beyond your scope

 

Do you need it?

Yes, if you:

• Work with the public (salon, clinic, home-based, mobile)
• Are self-employed, freelance, or rent a chair/room
• Want to meet salon, insurer, or professional body requirements

• Most therapists also bundle PI with:
• Public liability insurance (slips, trips, property damage)