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  • Health, beauty and lifestyle business insurance

  • Health Beauty and Lifestyle

    Working in a creative industry, it’s always a matter of opinion just how good your work is. You’ll also be in close contact with members of the public. In both cases, there’s scope for someone to make a claim against you. Find out how you can protect your livelihood.



    Arts and crafts

    Business insurance

    Making money from doing what you love – it’s everyone’s dream. Keeping that dream alive involves taking on business risks and managing them well. Protect your creative business with:

    • Public liability insurance – if people visit your studio, public liability insurance can cover you for any potential injury claims. It also protects you if you host an exhibition, for example, and inadvertently cause damage to the venue.
    • Employers’ liability insurance – if you call in help for your business – say, an apprentice, assistant or volunteer, could help to look.
    • Cover for equipment and personal injury – how much would it set you back to replace your work tools and equipment? We have cover to suit. You can also get personal accident cover in case illness or injury affects your income.


    Get a business insurance quote 


    Van insurance

    If you carry your equipment or the commercial crafts you’ve made in a van, business van insurance could be useful. With us, you get doorstep repairs, guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote

    Actors • Animators • Artists • Art therapists • Authors • Dancers • Designers • Fashion designers • Illustrators • Painters • Potters • Sculptors • Textile designers • Writers • and more


    Beauty

    Business insurance

    Your work is all about having the talent and creative flair to make people feel and look better. Managing chemical treatments, maintaining good hygiene and managing people’s expectations are all part of the job. To protect yourself, you could benefit from:

    • Professional indemnity insurance – if your service doesn’t cut it or your recommendations don’t work out, a client could feel that more than their appearance has suffered. If your service or advice is questioned, our policy would cover your defence and any compensation costs.
    • Public liability insurance – if visitors injure themselves on your property or if you damage someone else’s property while on a job, you could face compensation claims. Public liability insurance would cover your defence fees and compensation.
    • Employers’ liability insurance – if you have assistants, volunteers or apprentices, the law requires you take out employers’ liability cover. You’ll need a minimum of £5 million of cover for work-related injury or illness.
    • Cover for equipment and personal injury – how much would it set you back to replace your work tools and equipment? We have cover to suit. You can also get personal accident cover, in case illness or injury dramatically affects your income.


    Get a business insurance quote 


    Van insurance

    If you carry your equipment or the commercial crafts you’ve made in a van, business van insurance could be useful. With us, you get doorstep repairs and a guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote

    Acupuncturists • Aromatherapists • Beauty consultants • Cosmetologists • Fashion stylists • Image consultants • Make-up artists • Manicurists • Nail technicians • Therapists • and more


    Cake making and decorating

    Business insurance

    Wowing your customers with delicious, elegant creations is only part of a successful bakery business. But covering yourself for when things go wrong could help, with:

    • Public liability insurance – if an accident should happen – like a customer falling ill or spillage ruining expensive furniture – this insurance covers your defence and any resulting compensation costs.
    • Employers’ liability insurance – no matter how small your business, if you have anyone else working for your business, employers’ liability is a legal requirement. You’ll need a minimum of £5 million of cover for work-related injury or illness.
    • Cover for equipment and personal injury – how much would it set you back to replace your work tools and equipment? We have cover to suit. You can also get personal accident cover, in case illness or injury affects your income.


    Get a business insurance quote 


    Van insurance

    If you carry your baked goods or business equipment in your van, you might want to think about business van insurance. With us, you get doorstep repairs and a guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote


    Catering

    Business insurance

    Having the right business insurance in place can mean the difference between sink or swim in the catering world. Make sure your kitchen's covered and your business can stand up to the unexpected. Typically, caterers take out:

    • Public liability insurance – if an accident should happen – like a customer falling ill or spillage ruining expensive furniture – this insurance covers your defence and any resulting compensation costs.
    • Employers’ liability insurance – a legal must for any company in the UK that has employees, including assistants, volunteers and apprentices. You’ll need a minimum of £5 million of cover for work-related injury or illness.
    • Cover for equipment and personal injury – how much would it set you back to replace your work tools and equipment? We have cover to suit. You can also get personal accident cover in case illness or injury dramatically affects your income.


    Get a business insurance quote 


    Van insurance

    If you transport food or equipment for your business in your van, you might want to think about business van insurance. With us, you get doorstep repairs and a guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote

    Bakers • Caterers • Chefs • Cooks • Event caterers • Fast food outlets • Ice-cream parlours • Wedding caterers • and more


    Entertainment

    Business insurance

    Making money from doing what you love – it’s everyone’s dream. Keeping that dream alive involves taking on business risks and managing them well. Protect your creative business with:

    • Public liability insurance – your work in entertainment probably takes you to a wide range of venues across the country. Make sure you’re covered if things go wrong – say a claim for injury after someone trips over a speaker wire or you accidentally damage something at the venue.
    • Employers’ liability insurance – if you take on staff, volunteers or temporary assistants, the law requires you to cover them for injury and illness. You’ll need a minimum of £5 million of insurance.
    • Cover for equipment and personal injury – how much would it set you back to replace your work tools and equipment? We have cover to suit. You can also get personal accident cover, in case illness or injury affects your income.


    Get a business insurance quote 


    Van insurance

    IIf you carry your equipment or travel to venues in your van, you might want to think about business van insurance. With us, you get doorstep repairs and a guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote

    Booking agents • Comedians • DJs • Entertainers • Event organisers • Lighting technicians • Musicians • Performers • Sound technicians • Tour managers


    Hairdressing

    Business insurance

    Running a busy salon or mobile hairdressing business brings you into close contact with the public. There is always room for mistakes, slip ups or injury claims. Hairdressing businesses usually take out:

    • Professional indemnity insurance – if your service doesn’t cut it or your recommendations don’t work out, a client could feel that more than their appearance has suffered. If your service or advice is questioned, our policy would cover your defence and any compensation costs.
    • Public liability insurance – if someone cuts or burns themselves in your salon, you could be liable for an injury claim. Public liability insurance covers costs related to injury claims, as well as covering you for damage to other people’s property.
    • Employers’ liability insurance – no matter how small your business, if anyone else works for you, you’re likely to need employers’ liability cover – it’s the law. You’ll need a minimum of £5 million of cover for work-related injury or illness.
    • Cover for equipment and personal injury – how much would it set you back to replace your work tools and equipment? We have cover to suit. You can also get personal accident cover, in case illness or injury affects your income.


    Get a business insurance quote 


    Van insurance

    If you use a van for work purposes – say carrying equipment or visiting clients, you might want to think about business van insurance. With us, you get doorstep repairs, a guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote

    Barbers • Hair consultants • Hairdressers • Stylists • Trichologists


    Health and fitness

    Business insurance
    Your business helps people to look good and feel great. However, being in contact with the public, you’ve always the potential for mistakes, misunderstandings or slip ups. Make sure your livelihood is protected in case of claims with:

    • Public liability insurance – whether your clients come to you or you go to them, public liability insurance is a good idea. It covers you for injury or property damage claims if things go wrong.
    • Employers’ liability insurance – a legal must for any company in the UK that has employees, including assistants, volunteers and apprentices. You’ll need a minimum of £5 million of cover for work-related injury or illness.
    • Cover for equipment and personal injury – how much would it set you back to replace your work tools and equipment? We have cover to suit. You can also get personal accident cover in case illness or injury dramatically affects your income.


    Get a business insurance quote 


    Van insurance
    If you carry your work equipment in a van, you might want to think about business van insurance. With us, you get doorstep repairs and a guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote


    Photography

    Business insurance

    Photographers take out business insurance to protect themselves from claims and cover their valuables. Whether you take photographs at events or produce artwork, you might want to think about:

    • Professional indemnity insurance – A single mistake in print or during an event can lead to an unhappy client and large compensation claims. With us, you’re covered for legal defence and compensation costs as standard. You’ll also have the option of covering claims against you for breaching client confidentiality or copyright.
    • Public liability insurance – whether your clients come to you or you travel to them, public liability insurance is a good idea. It covers you for injury or property damage claims if things go wrong.
    • Employers’ liability insurance – if anybody works for your photography business – and that includes full and part time staff, freelancers or volunteers – you need to have employers' liability insurance. It's required by law.
    • Cover extras – choose any of the above policies and you’ll also get the chance to cover your business for loss of income due to illness and protect your valuable work equipment.


    Get a business insurance quote 


    Van insurance
    If you use your van for your photography work, you might want to think about business van insurance. With us, you get doorstep repairs and a guaranteed courtesy van as standard*, and you can add extras like breakdown cover.


    Get a van insurance quote

    Events photographers • Fashion photographers • Photographic technicians • Wedding photographers


    *When your van is under repair by one of our Approved Repairers. Not applicable for total loss claims.

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