Do Beauty Students Need Insurance?
Yes, beauty students need to be covered by insurance. If you’re not yet qualified in beauty therapy, you might be wondering why you need insurance. Simply put, in the client’s eyes, you are a beautician whether you’ve been on the job for 6 weeks or 6 years. Therefore, you’ll need to make sure you are either covered by your training provider’s insurance or through a separate beauty insurance policy you have taken out.
Remember, beauty students have client interaction since this is the only way you can properly learn how to perfect different treatments. During your training, you’ll carry out treatments such as waxing, manicures, facials and massages. If you’re already qualified and studying more advanced treatments, then you’ll also need beauty insurance coverage while you practice for these and for when you are fully qualified too.
Studying to be a beautician will open up a promising career since you can work in various locations around the world. Though, the reality of any job is there is always going to be admin associated, and sorting out beauty insurance is no exception.
Student Beauty Insurance
As a beauty student, it’s important to check whether your college offers cover for the treatments you provide – they might charge you extra for it. This will usually be the case for any treatments performed in training rooms on college premises. If you work in a beauty salon as part of your placement, you should be covered under the salon owner’s employers’ liability insurance cover unless stated otherwise.
Likewise, if you’re a beauty course or college provider, then all those who train with you, you will need to be insured for carrying out beauty treatments on the public.
However, if you’re a beauty student and perform treatments on members of the public outside of college, you may require your own beauty insurance. Getting this in place will avoid your career being over before it’s begun since you may be more likely to injure a client or damage their property if you are not yet fully qualified.
The insurance you can get may be limited depending on your current level of training. For example, NVQ Level 1 in Beauty Therapy is considered adequate to work in a salon, though Level 2-3 will give you more advanced skills. If you don’t yet have any formal beauty qualifications, then it’s unlikely an insurer would offer you cover since you’d be deemed too high-risk to insure. Plus, you may get into trouble with Trading Standards or your local council if you don’t have the right qualifications for the treatments you carry out.
Public Liability Insurance For Mobile Beauty Therapists
If you carry out beauty treatments in your client’s homes, then you should look at getting public liability insurance that covers explicitly mobile beauty therapists.
Unlike if you were an employee in a beauty salon, you won’t automatically have insurance as a self-employed beauty therapist, whether you are classed as a mobile therapist or if you work at your own location. Therefore, public liability insurance offers great peace of mind since even with extreme care, accidents still happen.
Simply put, public liability will cover your legal fees and any compensation you have to pay out should a client sue you. The reason for legal action could include personal injury or damage to their property. Since you will be outside of a salon environment, property damage is more likely, especially if using more astringent products in somebody’s home.
Plus, if you’re a still beauty student, but you’re qualified enough to set up your own business, if the incident happens outside of college, you won’t be covered under its insurance either. So, insurance is something you really can’t skip if you’re going it alone.
To Sum Up
All beauty therapists, regardless of the level of training they have, need to get insurance to protect themselves and their business against legal action’s financial implications. As a student, now is also an excellent time to read up on patch tests and client waiver forms since they could be highly beneficial in fighting your corner where insurance claims are concerned. Having the right insurance cover level before you carry out beauty treatments on others outside of a college environment is essential.