Hair, Beauty, Tattoo and
Piercing Insurance

Get insured properly with people who really understand the health and beauty insurance industry.

In today’s world, you’ve got to be insured in case something goes wrong, because when it does, it will always be YOUR fault.

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What is Hair, Beauty, Tattoo and Piercing Insurance?

It’s a generic heading for insurance for professionals operating in this sector.

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Ask a Question Benefits of Hair, Beauty, Tattoo and Piercing insurance at a glance
  • Specialist Liability insurance providing the insurance you need, when you need it.
  • Optional insurance to cover your equipment, stock and assets.
  • A-rated insurance companies WHO PAY CLAIMS and don’t look for reasons to avoid them.
Ask a Question Does one policy cover all types of Hairdressing, Beauty, Tattoo and Piercing?

It can do, but that could be expensive.

Instead, once we know what you need, we will recommend the best policy to suit your requirements, because we are independent and are not tied to any one provider.

Ask a Question In respect of hair treatments are there any patch-testing conditions?

All insurance policies contain a patch-testing condition, but our preferred insurer for this profession gives cover if:

  • you follow the recommendations of colourhouses or vendors relating to the hair product; or
  • if you are an approved Colourstart® account holder, we will cover the use of “OK to be Colour” passports.
Ask a Question In respect of piercings, are there any restrictions?

Oh yes, lots of them! There are age restrictions in respect of certain piercings and some very ‘niche’ piercings especially around the genital region are uninsurable.

We’re not saying don’t do them, just that if you do and a problem crops up, you won’t be insured.

But before you take out any policy with us, we will draw your attention to the small print, so you know what it is before you buy.

Ask a Question Why should my business have insurance?

There are many reasons to have insurance:

  • If something goes wrong and you get sued, most people would rather have an insurance company backing them than have to fund it themselves.
  • The fact is, people will sue at the drop of a hat these days. The cost of defending even a spurious claim can run into the tens of thousands of pounds very quickly.
  • Some local authorities insist on you having Treatment (Public/Products) Liability insurance before they let you trade.
  • If you have employees, even casual cash in hand staff, by law you have to have Employers Liability insurance or face a fine of up to £2,500 per day.
Ask a Question How much does insurance cost?

At Prizm Solutions, we deal with over twenty insurers for this class of insurance so we will find the most competitive for you based on your individual requirements.

This can depend on so many factors it’s impossible to give an indication here.

Ask a Question How do I get a Hair, Beauty, Tattoo and Piercing insurance quote?

Just drop us an email to hello@prizmsolutions.co.uk. or give us a call on 01827 313931 .

One of our friendly advisors will take the time to find out more about your business, to enable us to offer you the right policy for your business needs.

If you’re local to Staffordshire, you may wish to pop into our offices in Tamworth town centre and sit down with us face to face.

Have a question?
Our team is
here to help!

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One of our team will talk to you about your current circumstances in order to advise the best way forward. If you’d prefer to visit us at our offices in Tamworth, feel free to pop in! Just check our office hours on Google to make sure we’re open.

Questions we frequently get asked about Hair, Beauty, Tattoo and Piercing insurance.

Have I got to have my own salon to get insurance? I rent-a chair and work mobile?

That’s fine, as long as you tell us that is how you work, then we can make sure your policy provides what you need and nothing else.

What’s the difference between Hair, Beauty, Tattoo and Piercing insurance and a Shop/Salon insurance policy?

There may be no difference, but check the small print very carefully. We have seen people in this profession buy policies which EXCLUDE all treatment cover, as they are aimed more at covering the salon contents and plate glass window.

Do I need Hair, Beauty, Tattoo and Piercing insurance even though I’m a small business?

Yes, all it needs is one person to sue you and, without insurance protection, you could be bankrupted. This could be the best business decision you ever make.

What happens if I need to make a claim on my insurance policy?

Should you need to make a claim, make Prizm Solutions your first port of call. As your broker, we are here to help. If your call is out of hours, all insurers operate 24/7 claims lines, and we’ll inform you of these when you take out the policy.

Which Hair, Beauty, Tattoo and Piercing insurance cover companies does Prizm Solutions deal with?

As an insurance broker, we deal with many different insurance companies in order to find the right policy for our clients. We currently use companies including Aviva, Beazley, Commercial Express, NIG, RSA, AXA, Eaton Gate, AIG, Mi Commercial, NBS Underwriting, Covea and Allianz.

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What happens if we need to make a claim?

If you need to make a claim on your insurance, you need to call your insurance broker or insurance company straight away.

If you have a policy with Prizm Solutions, then you simply call us.

As your broker, we are here to help – and we will provide you with all the contact numbers you need to deal with a claim when you take out the policy.

Why choose Prizm?

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