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Professional Indemnity and Public Liability Insurance for Beauty Therapists


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Tailored insurance for Beauty Therapists

Beauty Therapists insurance includes both Professional Indemnity and Public Liability in one policy. 

Why do Beauty Therapists need Professional Indemnity insurance?

You understand body systems, skin biology, anatomy, and cosmetic chemistry. Making your clients feel good about themselves is a vital part of your day-to-day therapy. But what if a client has an allergic reaction to the hot wax you use, or someone claims they got an infection from getting their nails done? You could be on the receiving end of a lawsuit, and your business could suffer as a result.

Beauty Therapist Indemnity insurance provides you with cover for a range of risks that come with your business. Professional Indemnity insurance includes cover for your legal fees and the cost of compensatory damages if a client were to make a claim of professional negligence against you.

Why do Beauty Therapists need Public Liability insurance?

Any number of hazards can pop-up daily as a Beauty Therapist. A member of the public could enter your premises and slip on a face cream that was spilt on the floor, causing them to run into a nail file and seriously injure themselves. Or, one of your clients drop their phone into a mud bath, and you could be held liable for both the injury as well as the damaged phone.

Beauty Therapist Liability insurance provides cover for your legal liabilities if a member of the public claims that they were injured, or their property was damaged because of your business dealings or on your premises

Beauty Therapy insurance cover benefits:

Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity cover to suit you - $1 million, $2 million, $5 million, $10 million or $20 million.3
Public and Products Liability cover
$20 million combined public and products liability limit per claim and $60 million in the aggregate.3
Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or the facts of circumstances which could give rise to a claim, before you purchased the policy.

Subject to eligibility criteria.
Run-off cover
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating. 
Complimentary Legal Advice
2 HOURS complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice that's included in this policy3
$0 Excess
No excess when you make a claim against the Professional Indemnity or Product Liability section.3

Better for Beauty Therapists in 3 simple ways

Frequently Asked Questions

What does Beauty Therapy insurance cover?
Professional Indemnity covers:
 
Claims made against you during the period of insurance resulting from certain errors or omissions in the conduct of your professional services.
Legal fees, settlements and court attendance costs associated with any such claim.
 
Public and Products Liability covers legal liability for:
 
Third-party injury or property damage arising as a result of your business that occurs on any premises you work from, in most parts of the world.4
The sale or supply of a product that causes bodily injury or property damage.
What level of complimentary legal advice can I receive?

A total of 2 hours complimentary legal advice is offered when you hold a Professional Indemnity policy through Aon. You can call as often as you like for any business-related matters up to a total of 2 hours in each policy year. 

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. The details discussed with the Legal Helpline are confidential and will not impact the future cost of your insurance premium.

  1. Available to customers who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.
  2. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.  
  3. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information. 
  4. Cover is not provided in respect of activities in the United States of America or the Dominion of Canada and their territories.

Disclosure and Disclaimer:

Professional Indemnity, Product Liability and Public Liability Insurance for Beauty Therapists is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.

Terms, conditions, exclusions and limits apply

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