Pedicurist insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for pedicurists?

Claims against your business for:

• damage to someone else’s property, caused by your work
• injuries caused by you at work, or afterwards because of your work
• accidental injury or damage caused by your employees (if you have any)

For example:

• you accidentally knock your client’s car when parking up outside their house, causing damage to the paintwork on one side
• a customer trips on a loose cable while on your premises, falling and breaking their arm in several places
• an employee is mopping the floor, but forgets to put up a safety sign, causing an electrician to fall and injure their back

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury to someone you employ, including contractors and temps, that happens as a result of working for you
• a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
• a temporary employee traps their hand in a door at your premises, causing several fractures
• a member of staff trips on a ledge on their way to a meeting, injuring their hip

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business equipment insurance?

Claims against your business for:

• theft or vandalism to your office furniture or business equipment
• damage or destruction caused by fire or flood

For example:

• a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
• someone forces entry to your business premises and graffitis your office furniture
• a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents

Read more about business equipment insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for contractual disputes arising from an agreement
• cases relating to civil action taken against you for compensation under data protection legislation
• employment disputes and compensation, for both employees and volunteers

For example:

• a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
• your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
• you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• accidental death or injury, whether it happens at work or elsewhere, for anyone you’ve chosen to cover on your policy
• lost income, plus medical costs and hospitalisation benefit

For example:

• an employee you’ve covered on the policy slips on ice while commuting to the office, injuring their lower back
• you’re tidying the office and an old printer falls onto your shoulder, causing a serious injury
• your business partner bumps their head after a fall, causing ongoing health complications which stop them from working

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• theft or vandalism to your stock
• other loss or damage to your stock, for example through fires or floods
• essential stock that you need to sell in order to operate

For example :

• your equipment is faulty, causing fresh produce that you keep as stock to go off
• water from a flood destroys stock and you have to throw it away
• a thief clears out your stockroom – you have to replace stock quickly to operate

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

• stolen tools and equipment
• accidental damage to the tools you need for your business
• loss of specialist equipment and tools

For example:

• a thief steals your business equipment and you miss out on a job
• you accidentally leave some specialist equipment out in the rain, damaging it beyond repair
• you lose your tools on a work trip

Read more about tool insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy

For example :

• after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
• a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
• a tenant’s suitcase scratches the wooden flooring in your hallway – you won’t have to pay any excess on your accidental damage claim