Insurance & Liability

Objective

Understand the legal and professional importance of having the correct insurance before performing brow lamination treatments: whether you’re working from home, mobile, or in a salon.

Types of Insurance Needed

Before treating any paying clients - even as case studies - you must have appropriate insurance in place. This protects you, your clients, and your business in the event of accidents, adverse reactions, or professional complaints.

1. Public Liability Insurance

Covers injury, accidents, or damage involving a client or member of the public during or as a result of your services.

Examples:

• A client trips and injures themselves in your workspace
• A chemical causes a reaction and they claim negligence
• Product spillage damages their clothing or personal items
  

💡 This is the minimum insurance every beauty professional should hold.

2. Professional Indemnity Insurance

Protects you if a client claims that your treatment, advice, or actions caused them harm, loss, or dissatisfaction.

Examples:

• Incorrect aftercare advice leads to skin irritation
• A client claims your technique caused brow or lash damage
• A client is unhappy with the result and demands compensation
  

3. Treatment Risk Cover

Covers claims directly related to treatments such as brow lamination, tinting, or waxing.

💡Many insurers bundle this with liability and indemnity cover - but always check that brow lamination and lash treatments are specifically listed on your policy.

4. Student Insurance (If Still Training)

Many insurers and accreditation bodies offer student cover while you complete case studies or practical training.

💡 Student cover is often low-cost (or even included with your course), but it must be arranged before working on real clients, even friends or family

Final Takeaway

Having proper insurance isn’t just a box to tick - it’s your shield as a professional. It gives you confidence to perform treatments safely, protects your business and reputation, and ensures you’re working within legal and industry standards.

Treat insurance as part of your toolkit for success, just like your products, training, and client care.