Mobile Beauty Therapist Insurance
Many beauticians decide to step out of the salon and take their business on the road, becoming mobile beauty therapists. Although becoming mobile may appear to cut down on the overheads of running a business, there are still some continuing costs that should always be considered. One of the most important of these costs is insurance.
Mobile beauty therapy insurance can take many forms, all of which need to be considered by the therapist. Arguably one of the most important forms of insurance is that which covers public and products liability, as this can protect you and your business if a client makes a claim against you. Public liability covers issues such as financial damages and legal expenses that may arise as a result of the death, injury or damage to property caused by your business and suffered by members of the general public. As a mobile therapist, sometimes even a small claim can result in problems for the business, so this insurance is a must have.
Professional treatment and product liability cover is another form of insurance, which is designed to protect you against claims for injury or damage caused by the treatments you carry out and the beauty products that you have supplied. Even if your treatment has been given with the utmost care and attention and no negligence was involved, you may still be held liable for such damage, so this insurance should never be overlooked.
If you have staff, then employer`s liability is a legal requirement. This insurance covers you against claims from employees who may suffer injury, disease or accidental death as a result of their employment. Obviously, if you are working alone, this is one insurance that you can do without.
The final type of insurance that is highly recommended for any mobile beauty therapist is one that covers stock and equipment. The stock and equipment is one of the biggest outlays for anyone wishing to go mobile. Ensuring that it is protected will give you the peace of mind that should a theft or accident occur, items necessary to keep the business up and running can be replaced without substantial cost to yourself. Generally, such insurance does not cover theft from an unattended vehicle, so it is important that you have somewhere secure to store everything overnight.
Going mobile and going self-employed may be the ideal solution for you, as it offers flexibility and control, but take the time to research the different insurance options so that you are not left vulnerable to any claims made against you. Start up costs will vary, depending on the treatments that you wish to offer, but by using a loans calculator, you will quickly be able to see what you can afford and how much your budget is likely to stretch. Never make the mistake of thinking that insurance is a luxury that you can do without, as this can ultimately be the most expensive mistake that you ever make.