Eyelash Technician Insurance: What do You Need?

Whether you are a generalist beautician or you have your own business specialising in eyelash treatments, you need to make sure you have a liability insurance policy in your beauty kit.

Eyelash extensions and other eyelash treatments such as LVL lashes and tints are generally considered safe. But as with many beauty treatments, there can be risks. Accidents can happen from time-to-time and if your customer is injured you could be held liable for their damages. There is also the possibility that your customer may have a reaction. Eyes are delicate and very susceptible to damage – even the most experienced of practitioners need to be cautious.

That’s why it is so important to have the right eyelash technician insurance covers in place. They can cover any eventuality and protect you and your beauty business. It is also important to pay close attention to policy wordings for any exclusions. After all, the worst time to realise you’re not covered is when you come to make a claim.

We’ve looked at some of the key types of beauty insurance for eyelash extensions that you may need and what type of protection they each offer.

Eyelash Extension Insurance FAQs

Do I need public liability insurance?

Eyelash technicians, like other beauty professionals connect with the public through their businesses. So public liability insurance should form an integral part of your eyelash technician insurance package.

It covers compensation claims and legal costs should an incident happen at work that causes injury to a customer, a member of the public or damages someone’s property.

Do I need product liability insurance?

Product liability insurance is designed to help protect you if someone alleges they have been injured, or their property damaged, by a product sold or supplied by your business rather than something you have done or failed to do.

For instance, you could be held liable if an eye care product caused a client’s eye to react. Although you didn’t manufacture the product, you did sell it and could be held liable.

Do I need employers liability insurance?

Employers liability insurance is there to protect you and your employees if they are injured or fall ill as a result of the work they undertake for you.

Employers liability insurance is designed to pay any compensation awarded against you, plus any legal fees incurred. This would be in the event that an employee, or a former employee, claims compensation for a work-related illness or injury.

This type of liability policy is similar to products and public. But it covers compensation claims made against you by your employees.

No matter the size of the team you employ, you are legally required to have employers liability insurance. Even if you only have one volunteer or member of staff working on a part-time basis.

How much does eyelash extension insurance cost?

The cost of your business insurance can depend on a number of factors, from where you are based to the range of treatments you offer. Smei can arrange a tailored policy so you can be sure it only includes the protection you need, and nothing you don’t.

What other kinds of cover might I need?

There are a number of other covers to consider as part of your eyelash technician insurance. From business interruption cover to tenants' improvement cover. Property damage is another one to think about, as if your business property is damaged or stolen, you don’t want to be left footing the bill. It is worth bearing in mind that it isn’t just the equipment you need to carry out the eye treatments that you need to protect. You will also need to protect your computer or other electronic equipment you use to make your bookings – it can all start adding up.

If you decide to set up in a brick and mortar location, you'll also need to consider salon insurance to cover all the risks that come with running a business premises.

It is also worth considering personal accident and sickness cover. This ensures you are covered if you’re unable to work, either by paying you a weekly amount if you’re off work on a temporary basis or by paying a lump sum if you’re off work permanently.

If you intend to grow your business and teach others to work in the beauty industry, or even to become instructors themselves, then you may also want to think about teacher training insurance.

To be sure you you're getting the right cover for your business, you can speak to an insurance broker who can find you tailored cover to suit your needs.