Beauticians insurance

Designed for freelance beauty therapists, face painters, nail technicians and make up artists

Key features

Bought by Many logo

Aon is arranging insurance for Bought by Many designed for freelance beauty therapists, face painters, nail technicians and make-up artists who don’t own or rent a salon.

Build your policy to meet your business needs


  • Public liability up to £5 million

    If a customer is injured or their property damaged due to your business, public liability could pay the cost of compensation and legal fees should they make a claim.

    Beauticians insurance also covers you for treatment risk*


  • Stock and equipment cover

  • Employers liability cover

    If you have employees it is a legal requirement for you to have employers' liability insurance. This cover may pay out the compensation cost should any of your employees get injured or die whilst working for you

  • Personal accident cover

    Personal accident can cover the permanent loss of use of you or your employee's hands plus a number of other injuries

*Eligibility criteria apply. You need to have a qualification recognized by the hairdressing and beauty therapy industry as appropriate for all the treatments that you will undertake. Maximum age is 65 years.

Click here for policy wording and key facts.

^ Optional covers will be an additional premium to the mandatory cover


Essential Cover *

Public and product liability

  • Public liability - a choice of cover limits £1 million, £2 million, £3 million or £5 million
  • Professional treatment risk included within the limit of indemnity selected
  • Product liability included with the same cover limits as chosen for public liability
  • Health and safety legal costs included

Optional covers ^

  • Stock and equipment

    Up to £10,000 cover

  • Employers liability

    £10 million cover for any one claim

  • Personal accident

    A choice of cover limits from £5,000 to £20,000

Download policy documents

*Exclusions, excesses and limits apply such as equipment is not covered for wear and tear nor personal accident for certain sports.

^ Optional covers will be an additional premium to the mandatory cover



To make a claim please call the 24-hour emergency number

0844 826 7597*

  • Call Topmark Claims Management as soon as you know you will need to make a claim. Topmark Claims Management has been appointed by Argo to handle claims.
  • Refer to your policy document for full details
  • If you need to pay out for any emergency work keep all receipts
  • Report any theft, damage from theft, arson, malicious damage, riot or civil commotion to the Police and take note of any crime reference number.
  • Do not discuss or admit liability to anyone before discussing with your insurer

*Calls will cost a maximum of 7p per minute plus your telephone company’s network access charge


Frequently asked questions

Here are the answers to some questions we often get asked. Please give us call if you would like more information on anything or if your question isn't answered here.

What should I do if I think I might need to claim?

You need to notify Topmark Claims Management Ltd as soon as you think you may need to make a claim using the 24 hours claim number 0844 826 7597, even if you're not entirely sure if an insurance claim will be made it's important you inform your insurer of any incidents that take place. Topmark Claims Management Ltd has been appointed by Argo to handle claims.

Which insurer do Aon use?

Essential cover is provided by Argo International Limited. Argo is part of Lloyds of London.

Who is Aon regulated by?

Aon UK Limited is authorised and regulated by the Financial Conduct Authority.

What other insurance policies does Aon arrange?

Aon is one of the UK's largest insurance brokers* and can arrange insurance for most types of business.

*Insurance Times (Ranked 3rd by brokerage, August 2015)

What is public liability insurance?

Public liability insurance provides protection against your legal liability for injury to third parties or damage to their property arising out of the operation of your business.

What is products liability insurance?

Products liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by products that you have sold or supplied.

What is professional treatment risk insurance?

Professional treatment risk insurance is an extension to the public liability section of your policy and will provide cover for any injury to third parties or damage to their property arising out of any treatments you may provide.

What is employers' liability insurance?

If you have employees, it is a legal requirement that you have employers' liability insurance, and you can be fined if you don't have correct cover in place. Employers' liability insurance protects your legal liability in respect of injury or illness suffered by your employees or trainees in the course of the business.

What is personal accident cover?

Personal accident cover can be arranged to provide a benefit payment, either on a one off or weekly basis, for either permanent or temporary disablement arising out of the course of your business. Cover can be arranged for business owners.

What proof do you need of my qualifications?

We do not ask for proof of qualification when you purchase the policy, but should you make a claim or someone makes a claim against you, your insurer may ask to see your proof of qualifications. If these cannot be provided the claim may not be paid, and you may be liable for all the costs

Get a quote

Simply complete the call back form and we will call you back