Public liability under a salon insurance package policy will need to cover beauty treatments. The range of treatments available grows by the week and some insurers are struggling to keep up.
A basic hairdressers insurance policy can be extended to cover ear piercing and other “light” beauty treatments. There are two main categories for insurers, those involving application of products to the skin, including massage, and those where the skin is punctured, or invasive treatments or laser treatments.
Most hairdressing policies will extend to include ear-piercing as long as it is using an approved ear piercing gun. That is as far as the invasive cover goes. Anything else would need to be covered under a specialist beauty salon insurance policy.
Just because you are providing wider treatments, it does not mean you will have to pay an exceptionally high premium. It is, as with many businesses, simply a case of finding the right supplier for the product you want at the most competitive price.
There are a few insurers, such as Groupama, who have an excellent package policy that will cover beauty salons. You need to speak to an independent business insurance broker to buy a policy, but you will still be able to get a reasonable price.
The key is to declare all of your treatments and all those that you plan to do.