All the essential protection you need...
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Usually a legal requirement if you have employees, apprentices, or work experience students.
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
See and search through the full list of services you can get covered for, it’s growing every day!
See what other interesting sectors we work with.
Something gone wrong? Don't panic. Know what to do and not do if you get a claim, and how to submit your claim details.
Our comprehensive FAQ section should answer all your questions but if not we're always here to help.
We hope you won't need this information but if you do, learn how your complaint will be handled.
Check us out before you purchase. See how our quote, policy issue, renewal and policy management will work.
Knowledge, experience and qualifications are all vital, but understand why we don't ask you to send proof when insuring you.
Working in this field can be incredibly rewarding, as you bring joy and confidence to clients. However, the expanding array of treatments and services also means that the associated risks are higher than ever.
Speak directly with one of our team during working hours, or email if more convenient. We're here to help!
Read the small print of our policy wording to understand your cover.
Learn all about the world of small business, insurance tips and helpful info about your industry
Hear what our customer have to say about their experience with Westminster
Not sure what insurance you need? Use the insurance checker to find out.
Learn about who we are and why we've dedicated ourselves to safeguarding the dreams and aspirations of entrepreneurs for over 20 years.
Tailored protection in less than 5 minutes, from just £7.49
Established since 2003
Authorised
Recommended by training, accreditation and membership bodies.
The beauty industry is booming, evident in the growing number of salons and the rise of mobile services. It's a dynamic field, constantly refreshed with new products and services. We love hearing how our clients are expanding their offerings and growing their teams.
At Westminster, we adapt quickly to the industry's changes, ensuring our policies evolve with your business. Serving thousands of aestheticians, beauticians, and hairdressers, we offer flexible coverage for a wide range of services, easily updated anytime to keep you protected.
See the list of practices we feel would be of most interest to you. If you can't find what you're looking for or offer a more diverse range of services check out our full list.
IMPORTANT TIP: You may find that the business practice name differs a little from what you may call it, but provided that the description matches what you do, this will provide the cover you require.
Advanced Cosmetic Procedures also known as Advanced Electrolysis is a treatment which uses either Short Wave Diathermy (High Frequency A/C) or Blend (a mixture of A/C and D/C) to treat a variety of skin blemishes, from skin tags, moles and age spots, to thread and spider veins, warts and milia, as well as vascular conditions.
Approved Practitioners:
Alkaline Wash is an alkaline powder, which is mixed into a paste and applied to the skin for about 3-4 minutes. The treatment works by temporarily increasing the pH level of the skin. The alkaline wash may be used for a variety of treatments on the face and the body such as, but not limited to, removing unwanted hair, achieving a brighter complexion, improving skin tone and texture, softening fine lines and wrinkles, diminishing stretch marks etc.
Antisnoring laser treatments are procedures designed to reduce snoring by tightening the tissues in the throat. These treatments utilize laser energy to stimulate collagen production, leading to firmer soft tissues that help keep the airway open during sleep.
BB Glow is a semi-permanent foundation for your face. It uses scientifically proven nano needling technology to safely infuse nutrient-rich tinted BB cream into the top layer of your skin
Beauty facial includes skin type consultation and skin care treatments for the face, such as: steaming, exfoliation, extraction, pore cleansing, creams, lotions, facial masks, facial massage, toning, moisturising, brushing and mechanical peels.
A range of non-invasive treatments designed to reshape, tone, and enhance body aesthetics through specialized manual techniques and instrument-assisted therapies. These therapies stimulate lymphatic flow, improve circulation, and target fat deposits to promote detoxification and aid body sculpting. Including techniques such as Brazilian Manual Lymphatic Drainage, Wood Therapy, Madero Therapy etc.
The treatment can involve cleansing, steaming, toning, extraction, using a peel, pinching, massaging, exfoliating, masking, brushing, and moisturizing. Removes ingrown hairs, and dead skin cells, unclogs pores, stimulates blood flow, smooths, hydrates and softens skin. The treatment may be performed on various body parts as well as the bottom & the outer genitalia area.
Body piercing, a form of body modification, is the practice of piercing a part of the human body, to create an opening in which jewellery may be worn or where an implant could be inserted.
Conditions:
Application of gels and a "wrapping" method using bandages to aid in fluid reduction, assisting the reduction of cellulite, inch loss and improvement in circulation. Application of body scrubs or brushing following with body oils for moisturising/ cellulite reduction/relaxation using massage techniques.
Includes but not limited to: Botulinum Toxin (Botox, Advanced Botox, Azzalure, Bocoture and Dysport). Use of Botox injections to relax the muscles to stop wrinkles getting worse or forming.
Carboxy Therapy is a non-surgical cosmetic treatment which infuses gaseous carbon dioxide into the skin. It dissolves fat cells, stimulates blood flow, improves skin elasticity and reduces cellulite. It is a popular treatment for stretch marks and dark under eye circles.
Using an exfoliant product made from natural and man-made sources and typically applied to facial skin. This is a technique used to improve and smooth the texture of the skin and can improve scarring. Restricted to peels up to 40% strength such as but not limited to glycolic, mandelic, lactic, salicylic, TCA, etc.
Clean water is inserted into the colon via a small tube inserted into the anus. This is then pumped out along with any waste material. Coffee, yoghurt or other substances can sometimes also be used instead of the water.
A cooling head is applied to the fat area of body, which is then cooled to a safe lower temperature. It is medically proven that when the fat cells are cooled to a low temperature, they naturally die and are then flushed out by the body through a natural process.
Cryotherapy (may be known as Cryogentherapy) typically refers to a broader range of treatments that involve exposure to extremely cold temperatures. It can be applied to the whole body (as in whole-body cryotherapy chambers) or targeted areas (localized cryotherapy by using sprays, or handheld devices). The treatment involves the use of cryogen substances such as but not limited to liquid nitrogen, liquid nitrous oxide, argon gas, carbon dioxide. The treatment can be used for therapeutic purposes to helps reduce inflammation, alleviate pain, promote healing, improve circulation, treat skin lesions and for cosmetic purposes.
The device uses a state-of-the-art cooling technology that does not require handling of potentially dangerous gases and liquids. In addition to not being exposed to possibly hazardous substances, the device also offers an ergonomic design and consistent treatment temperature.
This involves the use of absorbable materials to plump or perfect the face and body. These materials can be based on hyaluronic acid, collagen, calcium hydroxylapatite & Poly-L-Lactic (PLLA). The products used must be MHRA or FDA approved. The injector must have a right of recourse against the supplier/manufacturer and products are purchased from the local supplier/representative only who holds full products coverage and a written right of recourse against the manufacturer, wherever based.
Dermaplaning is a skin care treatment that removes dead skin cells and vellus hair.
Ear irrigation/micro-suction is used to remove excess earwax, or cerumen, and foreign materials from the ear.
Using a piercing gun to pierce holes in a clients ears, excluding the piercing of any ear cartilage.
Electrical Muscle Stimulation (EMS), also known as neuromuscular electrical stimulation (NMES) or electromyostimulation, is the stimulation of muscle contraction using electric impulses. Electric stimulation works by attaching electrodes to the skin or by sitting in a stimulating treatment chair and using the control unit to transmit currents to targeted muscle groups. EMS essentially stimulates the nerves and induces muscle contractions, mimicking the way the muscles naturally contract. Electric muscle stimulation (EMS) has many benefits including but not limited to: building muscle strength, accelerating recovery from injury, improving sporting performance, relieving cramps, retaining muscles, enhancing range of motion, improving cosmetic muscle tone, increasing aerobic capacity, helping with weight management, promoting tissue healing, preserving muscle mass, stimulating pelvic floor muscles etc.
A probe is inserted into the hair follicle and an electric current passed down to cauterise the hair bulb, preventing growth. The hair is then removed from the follicle with tweezers.
An electronic device designed to infuse the skin with serums to create various benefits.
Exosome therapy is a treatment that uses exosomes (tiny vesicles released by cells). The substance is topically applied to the skin, usually during a complimentary treatment such as PRP, Microneedling, mesotherapy/nappage, which supports its absorption. It can promote healing, regeneration, and cell communication. Often used in skincare, anti-aging, and regenerative medicine.
Tidying, maintenance and enhancement of the eyebrow. Includes eyebrow measuring, shaping, blending, tweezing, waxing, threading, plucking, bleaching, perming/brow lamination and dyeing/tinting/henna brows.
Eyelash is lifted or permed and coloured. Lower lashes are secured with gel pads or micro pore tape. An eyelash shield is adhered to the eyelid and the lashes are then adhered to the shield with the use of glue. The root of the lash is then treated with Perming lotion for the allocated time. Perming solution removed. The root of the lash is then treated with Fixing lotion for the allocated time. Fixing lotion is then removed. Eyelash tint can then be applied if requested for the allocated time. Tint is then removed. Lashes are then treated with Nourishing lotion for the allocated time. The lashes are removed from the shield and the shield is then removed from the eyelid the eyelashes are then thoroughly cleaned.
A beauty treatment used to enhance the appearance of eyelashes and/or eyebrows by adding length, volume and definition. It involves the application of synthetic and/or natural fibers that are attached to the natural eyelashes and/or eyebrows. An LED light device with light emission of up to 0.2 joules may be used to cure glue.
Face/Body painting: The business activity of painting the faces and bodies of children and adults in a fun environment using professional makeup products.
The Detox station/blanket works on the body using Far-infrared (FIR) rays to penetrate deeper and heat the body directly from the inside. Some of the health and beauty benefits attributed to this therapy are weight loss, detoxification, pain relief, stress reduction, improved circulation, rejuvenated skin etc.
Includes the use of but not limited to Desoface/Desobody, Aqualyx, Sunekos and Lipo-lax provided that the product is CE or FDA approved. Fat dissolving injection treatment that reduces fat cells in the treated area. It is used to treat small, exercise resistant, pockets of fat and for body contouring,
A laser pen is used to tighten the skin. Sometimes otherwise known as plasma skin tightening, brow lift and non-surgical eye lift, this is a new and revolutionary treatment which can also be used in other areas to help tighten and rejuvenate skin and remove skin tags.
Floating is "a method of attaining the deepest rest that humankind has ever experienced." Lie suspended in a warm solution of Epsom salt only 25cm deep. The salt solution in a floation tank or floatroom is so dense that you float effortlessly. Gentle music helps you to relax. In short, "It's complete mental and physical relaxation"
Galvanic facials use a direct galvanic electrical current to introduce water-soluble substances through the skin's surface in an effort to improve ingredient absorption and moisture retention. The treatment makes the skin glow, minimizes fine lines and wrinkles, improves skin elasticity, boosts blood circulation, detoxifies, and prevents acne.
Involves scraping the skin as a massage, working with the tissues & muscles, removing blockages tensions & knots, detoxing the body, working with the lymph nodes, removing dead skin and excess hair. For health & beauty purposes. .
Fake or real hair is attached 1/4 inch to clients own hair with a small ring/attachment or glue (with light to set) to create a natural flowing look which usually lasts 2-3 months. Also includes hair extension ornaments/accessories such as feathers, beads, wig ponytail, fibres, loose hairs etc.
Bespoke wig making for hair loss on head and facial.
Hair transplanting assistant services refer to non-surgical support roles performed during hair transplant procedures. Assistants may prepare and sterilise instruments and clinical areas, assist the doctor during the procedure (e.g. handing instruments), separate and sort follicular grafts under a microscope, monitor patient comfort and provide non-clinical support, assist with documentation, photography, and patient preparation, and offer general post-operative instructions (non-medical).
The act or process of cutting, styling, dressing, colouring, or chemically curling/straightening. Including barber services such as trim, cut, shape, and taper hair using scissors, razors, clippers, and combs, facial hair maintenance, custom shaves, wet shaves and a number of grooming services.
Henna paste is applied to the skin in thin lines through a squeezable tube, much like an icing tube. The henna paste is left on the skin for at least 30 minutes in order for the colour to form.
High Frequency Therapy is a technique used to treat a variety of conditions, including acne, enlarged pores, fine lines and wrinkles and puffy or dark eyes. It helps with skin rejuvenation, healing and restoring the skin's health. It can also be used for scalp treatments by revitalizing the scalp, stimulating blood circulation and encouraging the scalp to increase the rate of hair growth
HIFU is an ultrasonic focusing technique that uses a non-invasive direct focus on the muscle layers to help the body heal and can have rejuvenating effects on muscle elasticity, aid skin tightening and help blood pressure.
Injecting hormones via intramuscular injections (IM). It provides cover for the act of injecting the prescribed hormones only.
The Hyaluron Pen system works by pushing a natural product with slight pressure to allow for a fine stream to penetrate the skin which puts the product into the upper layer of the dermis naturally and without needles.
Including but not limited to the use of Hyaluronidase and Hyalase. Filler dissolving is a treatment that can be used to quickly break down dermal filler safely and comfortably. The treatment works by injecting the enzyme that exists naturally in the body.
HydroFacial (also known as HydraFacial, AquaPeel or Hydrabrasion) combines cleansing, extracting, and depositing serums into the skin for an effective exfoliating treatment that also nourishes and hydrates. This treatment uses a vacuum-like machine to suck up dead skin and extract clogged pores.
Including but not limited to MiraDry, this is a treatment designed specifically to reduce sweat and doesnt involve any surgical incisions or cuts. It provides an alternative to botox treatment for the elimination of sweat glands.
An image consultant will assist you in the following ways: to align your personal image with your professional goals, assess the impact of your current personal image, stay ahead of the competition with a dynamic and up-to-date appearance, choose the right cuts, fabrics, and prints for your figure, style preferences and lifestyle, discover how to make the most of your own personal colouring, learn how to apply a day make-up in the correct colours, achieve authoritative and accessible looks, discover the best hairstyles and accessories for you, create an easy to coordinate wardrobe for work and leisure, avoid the common pitfalls of image impact and enjoy the increased confidence from looking your best.
Intense pulsed light, commonly abbreviated as IPL, is a technology used by beauty practitioners to perform various skin treatments including hair removal and photo rejuvenation. Using a handheld device, a professional will target multiple wavelengths of light onto the skin. This light heats cells in the skin and breaks them down. The body then removes the damaged tissue naturally.
Intraoral massage is the use of massage techniques which involve working on the muscles inside of the mouth. The benefits of the treatment range from improved circulation, smoother facial lines, and increased collagen production, to tension release in the jaw for clenchers, teeth grinders, and most significantly, sufferers from temporomandibular disorders (TMD) and/or temporomandibular joint (TMJ) disorders.
Vaginal laser treatment is a non-surgical, minimally invasive procedure that uses laser energy to stimulate collagen production in the vaginal tissues. This process aims to restore vaginal tightness and elasticity, addressing concerns such as vaginal laxity, urinary incontinence, and vaginal dryness.
The scalp treatment cream is applied to the scalp in sections and thoroughly massaged. A scalp steamer may be used that gently steams the scalp for 10-20 minutes, moist heat improves penetration of the keratolytic and aids scale softening. The cream is washed off, shampooed then the softened scale or crust can be gently scraped off.
Laser hair removal is the process of hair removal by means of exposure to pulses of laser light that destroy the hair follicle.
Tattoo/permanent makeup/pigmentremoval is most commonly performed using lasers that break down the ink/permanent makeup/pigment particles into smaller particles. This is typically done over a series of treatment sessions, the number of which dependsupon the type and placement of the Tattoo/permanent makeup/pigmentas well as the pigment of the skin.
A therapy which uses laser technology to perform various skin treatments including but not limited to pigmentation issues, treating fine lines and wrinkles, removing birthmarks and scars, skin refreshment and tightening, thread veins and fungal nail treatment, non-invasive body contouring (fat removal) etc.
LED Light is used to treat a range of skin conditions. The client will lie down under the LED lights which will help to improve the condition of the skin by reducing anti-inflammatory effects post-treatment, reducing sebum production, improves skin texture, stimulates collagen production, improves cellular activity.
It is non- invasive and the light can be passed over the body with or without contact. It is a pleasant and relaxing therapy.
Far Infrared (FIR) Magnesium Wrap is a process using magnesium salts and far infrared energy to relieve pain and promote general health. The ingredients are magnesium oil, or diluted magnesium flakes (magnesium chloride), or Epsom salt (magnesium sulphate). The focus is on aches, pains, muscle spasms, back ache, and sports injuries (with the understanding that doctors assessment and consent will be requested prior to the treatment). The treatment utilises relaxing and pain relieving properties of magnesium salts and far infrared energy.
The business activity of makeup artist using professional makeup products, typically working with (but not restricted to) models, photographers, designers, and weddings strictly subject to using professional makeup products and no permanent or semi permanent makeup or procedures.
Discussion with the customer regarding treatment options prior to commencement, services may include: removal of nail polish, cleaning, trimming, filing, polishing and buffing of nails, the application of artificial nails (gel, silk or acrylic), nail polish or nail art using an airbrush or other tools, trimming and oiling of cuticles, the softening or removal of rough skin and calluses, and the soaking/cleansing, massage and moisturisation of the hands and/or feet.
Removal of benign skin lesions above or in the upper layers of the skin using different techniques with or without local anaesthetics. The techniques that may be used under this heading are: Shave excision: technique used for skin lesions that rise above the skin or are in the upper layer of skin. It uses a small blade to remove the outermost layers of skin after the area is made numb. The area removed includes all or part of the lesion. Simple scissor excision: technique is used for skin lesions that rise above the skin or are in the upper layer of skin. The skin lesion is grabbed with small forceps and lightly pull up. Small, curved scissors will be used to carefully cut around and under the lesion. A curette (an instrument used to clean or scrape skin) maybe used to cut any remaining parts of the lesion. Curettage and Electrodesiccation: It may be used for superficial lesions that do not need a full thickness excision. This procedure involves scraping or scooping out a skin lesion. A technique that uses high-frequency electrical current, called electrodesiccation, may be used before or after.
Medical Glycolic Skin Peels up to 70% strength, also known as skin peels or chemical peels. A product based exfoliant made from fruit or sugar cane acids which stimulate the collagen and elastin production which is what makes the skin look firm and smooth. The additional benefit of having a skin peel is that it creates an exfoliating effect on the skin, which will leave the younger and fresher looking skin. Glycolic peels are the mildest form affecting the superficial layers of the skin.
Mesotherapy/Nappage is a non-surgical cosmetic treatment that uses injections of vitamins, enzymes, hormones, plant extracts and polynucleotides to promote skin rejuvenation and regeneration, and remove excess fat.
Micro-current stimulation delivers tiny electrical impulses that mirror the bodys own natural bio electrical field. In most cases, treatment is virtually sub-sensory.
Microblading is a form of semi-permanent make-up where pigment is implanted under the skin with a manual handheld tool instead of a machine.
Microdermabrasion is a non-chemical, non-invasive procedure that uses aluminium oxide crystals, walnut shells or polishing grains to remove the outermost layer of dry, dead skin cells and reveal younger, healthier-looking skin.
Use of needles to prick the skin to allow collagen to repair the skin to look more youthful, remove pigmentation, increase elasticity. Rolling or pressing it gently into the skin before applying active ingredients.
Micropigmentation, also referred to as semi-permanent make-up or dermal-pigmentation or permanent make up or cosmetic tattooing, is a process whereby pigments are implanted beneath the top layer of skin, by needle micro insertion. Can be used to re-align facial features such as eyebrows, lip line and eye line. Tricopigmentation is an alternative, more temporary option, used on the scalp as a treatment for hair loss.
Far Infrared (FIR) Mineral Clay Detox Wrap uses clay and far infrared energy to promote detoxification. The focus is on detoxifying properties of clays and far infrared. Far infrared promotes deep sweating, while clay works through absorption and cation exchange, which allows it to absorb toxic waste through the skin. The use of both leads to the removal of excess water and transdermal detox, as well as many other benefits.
Far Infrared (FIR) Mineral Weight Loss Wrap is the use of magnesium salts, clay and far infrared energy to promote weight loss. The focus is on boosting circulation and sweating, which aims to speed up metabolism and sweating, leading to removal of excess water and impurities. Clay aims to absorb impurities and draw toxins out of the body. There are also multiple other benefits to using the treatment .
Neogen Plasma is a skin treatment system that uses nitrogen plasma energy (ionized nitrogen gas) to deliver controlled thermal pulses into the skin. This stimulates natural healing and regeneration processes without relying on lasers or freezing methods. It can be used both in aesthetic setting (NeoGen SPA) or clinical setting (NeoGen EVO/PSR). The cosmetic use is mainly focused on providing non-invasive rejuvenation, refreshments and restoring of healthy skin, while the clinical/medical setting one can also offer solutions for dermatological conditions.
This is a no-needle process which involves applying melted threads to the top layer of the skin. It uses TDN (Transfer Double Nanosphere) technology to infiltrate the melted threads and active ingredients into the skin and fill fine lines and wrinkles, achieve instant face-lifting effects, pore tightening, to increase dermis density and skin elasticity, achieve skin whitening, hydration etc. This procedure enables lasting skin improvement from the inside out and ensures a unique lifting effect and regeneration of the skin. All products are applied to the skin without any use of needles.
This uses a combination of vibration therapy and suction to help increase the blood flow and muscle stimulation resulting in larger and/or firmer breasts or buttocks.
NSR is a non-surgical procedure using fillers to help the reshaping and straightening of the nose. It is a temporary procedure that needs to be repeated every 18 months.
Cosmetic teeth whitening refers to the non-clinical application of whitening products to improve the appearance of teeth, offered by individuals who are not registered dental professionals. This form of whitening typically uses non-peroxide or low-peroxide products and use of LED light treatment (0.1% hydrogen peroxide or alternative agents such as PAP) and involves no direct contact with the clients mouth, sometimes requiring the client to self-administer the product under guidance.
Oxygen Therapy is adding nutrients back into the skin via gel and activating the gel with a spray (like a makeup application air spray) called activator. Oxygen Serum and activator are packed with active ingredients which help to restructure the skin, visibly plumping out lines and wrinkles. This means the treatment continues to work long after you leave the salon, stimulating cell regeneration for a firmer and more youthful look.
The P-shot for men and the O-Shot (also known as V-Shot) for women are two types of platelet-rich plasma treatments that use the patient's own blood to release growth factors that help stimulate stem cells, collagen production and tissue repair. The P-Shot stimulates tissue growth and new blood vessels to increase blood flow, resulting in a healthier organ. The O-Shot helps activate weakened stem cells to renew, revive and rejuvenate the organ.
Polydioxanone Thread (PDO) lift is a non-surgical, minimally invasive procedures for facelift, improvement in the appearance of fine lines and wrinkles and it stimulates natural collagen production.
Permanent jewellery refers to a piece of jewellery (usually a necklace, anklet, ring or bracelet) that is welded together instead of secured with a clasp. The process involves using welding tools to attach both ends of the jewellery.
Plasma Gel Bio-filler is an organic plasmotherapy treatment that uses a clients own blood plasma to create gel. It stimulates the body's natural wound-healing response, initiates the biological process to create new collagen and elastin. This regenerative procedure can be used to restore volume and shape in the face, hands, and parts of the body, adding plumpness to areas that have lost volume, also smoothing the appearance of fine lines and wrinkles.
Plasma Shower is used for skin tightening across the face & body, and the treatment of acne, stretch marks and various skin vegetations. Plasma Shower treatment uses advanced technology to generate plasma energy which is then applied directly to the skin using a special handpiece.
Platelet-Rich Plasma (PRP) and Platelet-Rich Fibrin (PRF) Therapies use an individual's own blood and in this way uses their own healing system to help promote the healthy activity of their skin cells, to improve musculoskeletal problems, to trigger hair growth, to stimulate collagen growth, tighten lax skin, improve skin tone, smooth out fine lines and wrinkles.
This refers to the process of self- applying prescribed creams directly onto the skin. The practitioner would assess the customers need, obtain the appropriate cream and teach the customer how to use it safely and accurately. These creams are used to treat various skin concerns such as acne, fine lines, scars, pigmentation issues, signs of aging, skin cell turnover, skin texture, hyperpigmentation, melasma etc. Different types of creams may be used including but not limited to Tretinoin.
The prescription of medication used in conjunction with the approved business practices on this policy.
Pressotherapy is a non-invasive treatment that involves the application of air pressure - alternating between compression and decompression - on parts of the body. The pressure is applied with a specialised pressotherapy device or a suit that stimulates the lymphatic system. It can be used for cosmetic and medical reasons, including but not limited to detoxifying, relieving aches, pains and swelling, increasing blood circulation, cellulite reduction, body shaping, skin rejuvenation, enhancing skin tone etc.
Scar Tissue Release Therapy may involve a variety of gentle techniques used to decrease discomfort, fascial adhesions, dark colouring or congestion of scar tissue. The techniques may range from manual massage, diaphragm release, stretches, deep breathing techniques and myofascial release to the use of instrument assisted soft tissue mobilisation, deep oscillation devices, massage equipment and mechanical aids, use of lubricants, silicone sheeting/gel etc
Sclerotherapy and Microsclerotherapy is the treatment of varicose/spider/thread veins in the legs. Medicine injected into the blood or lymph vessels over a period of time causes the veins to shrink and reduce in appearance. This is a non surgical procedure requiring only an injection.
The introduction of inert pigment to the dermis via machine or manually.
Including but not limited to Redensity, Jalupro Profhil. Skin Boostersare micro-injections of fillers in theskin. They stimulate production of collagen and elastin. They hydrate, firm and actually rebuild new, younger-looking skin cells.
Application of wigs, false hair, prosthetics, latex, foam, paints etc.
Airbrush tanning of the skin with a spray gun.
Removal of excess hair on the face and body using a sugar paste
Hands on application of tanning products to produce a temporary tan.
A controlled way to tan and can provide appropriate levels of UV to ensure sufficient levels of vitamin D are achieved and maintained. Amendment of cover: use of sun beds The following is added to What Is Not Covered, 1. the use of sun beds unless: i. the tubes used within the equipment emit UVA and UVB rays only and ii. the manufacturers training has been undertaken by all therapists operating or supervising the operation of the equipment and iii. The equipment used is renewed in accordance with manufacturer's recommendation depending on usage and maintenance, is no older than 7 years and is owned, hired or leased and used exclusively by you . iv. equipment used is under 5 years old and is owned, hired or leased and used exclusively by you and v. a client record card is completed prior to each use and a Special Notice for the use of Tanning Equipment has been provided to the client and signed by the client prior to each use and vi. protective goggles are provided to the client prior to each use and vii. manufacturers warning signs are dearly displayed around the vicinity of the solarium and located at eye level and viii. the equipment time settings are operated only by qualified therapists and the therapist responsible for supervising the operation of the equipment at the time of its use has checked that the timer is switched off at the end of each session and ix. each sun bed operates an automatic shut off once the set time has elapsed and x. x. prior to your client's use of the sunbeds, you have provided them with a copy of your sun bed information leaflet which contains precautions of use and contraindications and 2. cancer arising from, or contributed to by, the use of sun beds. Special notice use of sunbeds Special notice: use of sun beds Do not use if you - are under 18 years of age - burn easily or tan poorly - are taking drugs or cosmetics known to be photosensitizing - have had skin cancer - have or suffer from sunburn or windburn. Consult with your doctor before use if you: - are taking a course of medication or other medical treatment Are pregnant - have abnormally high or low blood pressure or circulatory problems Have a recent fracture or scar tissue. You must: - check with the operator as to your suitability for this treatment - remove all perfumes, cosmetics, oils, deodorants etc before treatment - wear the goggles provided at all time - not exceed the recommended exposure time and frequency - avoid the following treatment for 48 hours before and after use of tanning equipment (Aromatherapy Waxing or Sugaring Facial peeling Micropigmentation IPL or laser). Use of tanning equipment should be restricted to 3 times a week with a break of at least 1 day between sessions.
A tattoo artists is someone who applies permanent decorative tattoos by inserting pigment into the skins dermis traditional and/or fine line tattooing methods.
Tattoo/permanent makeup/pigment removal is a process by which the skin is penetrated to break up the tattoo/permanent makeup/pigment and pull it out of the skin with a saline solution (salt + purified water) or alkaline-based solutions mixed with acids. Slower but safer than other tattoo removal methods this fading technique can be used in any area. The procedure is similar to tattooing or microblading but instead of injecting ink underneath the skin, it works in reverse, pulling the ink out and lightening the area.
Gel is applied to teeth then blue LED lamp applied to enhance performance of gel to help remove built up stains from teeth and improve colour of teeth.
Natural hair removal - threading involves twisting a thread of pure cotton between the fingers and around rows of hair to pull them out of their roots.
Tooth Gems is the process of attaching jewels to the surface of the teeth with an adhesive designed to hold them in place for a longer period of time (usually 3+ months). The application process is quick non-invasive and entirely reversible. Also includes removing the attached tooth gems.
A trichologist is a practitioner who specialises in the science and structure of all hair types, as well as hair and scalp health. They usually offer consultations, assistance, assessments and diagnosis, and can recommend treatment or therapy to alleviate the problems and help the hair and scalp heal and stabilise.
These methods are non-invasive treatments used for body contouring, skin and muscle rejuvenation and regeneration, removing fat deposits, etc. The process may involve topical gel application on the treated area and applying smooth gentle movements.
A therapeutic ultrasound machine (1 and/or 3 MHz) treatment head is applied to the skin over the injured/problematic "soft tissue" area and moved slowly over the area. The process stimulates tissue repair, increases blood flow to the area, rehydrates the fascia/scar tissue, increases the permeability of the body cells, and encourages white blood cells associated with tissue repair to move to/work in the treated area.
Vacuum/Suction therapy is a non-invasive technique using a mechanical vacuum/suction device. This technique has various benefits including stimulating muscles, breaking down cellulite and fatty deposits, eliminating toxins, improving lymphatic drainage, improving blood flow and skin elasticity, reducing muscle tension, removing stretch marks and scars, lifting, toning and sculpting the body etc. This therapy can be used on the body and the face. Devices used for this technique include but are not limited to Dipomed, Edermology, Striort and Fibroderms.
The administration of vitamins and/or minerals intravenously or by injection
Use of scented paraffin wax to moisturise and soothe the hands. Can also be used on elbows, knees and feet. Hands are dipped into the molten wax five times, wrapped in a towel and left for 15 mins. The wax is then removed from the hands.
To remove unwanted body hair for cosmetic reasons using wax.
Including but not limited to the use of Saxenda & Ozempic. It is a weight loss programme incorporating licenced prescription medication and dietary planning. It is used as a kick start to a healthier lifestyle and weightloss.
Combined Business Insurance provides crucial protection. This core bundle is at the centre of every policy, offering comprehensive protection by combining Professional Indemnity, Medical Malpractice, and Public Liability insurance in one policy. So you can grow your business with confidence, while you are protected for the following:
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Designed to tackle the problems associated with your computer systems, websites and emails.
Protection for your office essentials, from computers and furniture to documents and signage.
Employee Liability insurance is a legal requirement if you have employees.
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
The hair, beauty and aesthetics world is booming. With an increasing demand for people to look and feel their best, there are new treatments constantly appearing. Being trained, experienced and taking pride in the quality of the service you offer is a must but even for the best of us, things don't always go to plan.
The personal nature of the services offered, means that customer emotions can run high, dissatisfaction can lead to accusations, and risky procedures may result in adverse reactions.
Remember your working with tools that can hurt... even the humble scissors or straightener can injure someone.
Having the correct level of experience or qualifications necessary to offer a service is...
Clients may file claims alleging negligence in performing procedures, such as laser treatments, chemical peels, or microdermabrasion, if they believe the aesthetician did not adhere to industry standards or provide adequate information about risks.
A client might experience an allergic reaction to a product used during a beauty treatment. They could file a claim against the aesthetician for medical expenses and damages related to the reaction.
Accidents can occur within the aesthetician's premises. Clients or employees may file claims for injuries sustained due to slips, trips, or falls, holding the aesthetician responsible for maintaining a safe environment.
Clients may claim compensation for personal belongings, such as jewellery or clothing, if they are damaged or stolen during a treatment.
Improper use of equipment or products can result in burns, scarring, or other forms of skin damage. A client may file a claim seeking compensation for medical bills and potential long-term effects on their appearance.
By Accreditation bodies, Training Schools and our Clients
Helping thousands of customers along the way
Manage and Update your policy easily as you grow
Big enough to lead. Small enough to care
Giving comfort and removing the hassle and stress.
No salesmen, no gimmicks! We just make insurance easy.
Get your quote and insurance document - within minutes.
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
HAIRDRESSER
I have found Westminster Insurance, I would not dream of using any other company. After reading the small print their policy is second to none.
BEAUTY THERAPIST
By far the easiest and friendliest insurance company that I have dealt with in 15 years of owning my beauty therapy business.
Yes, but it depends on what you're purchasing:
New Policy: When buying a new policy, you can choose monthly payments to spread out the cost. Keep in mind that it's still an annual policy, so you need to keep up with the monthly payments.
Renewing a Policy: If your current policy is due for renewal soon and you're currently paying yearly but would like to pay monthly, or vice versa, that can easily be changed online by following the link in your renewal email.
Adding Extra Cover: If you add extra cover (like portable equipment) to an existing policy mid-term, the full amount for the add-on is due at the time of purchase.
The cost of business insurance varies based on several factors, including your annual income, the level of cover you choose, the number of people included in the policy, the services you provide, and whether you need overseas coverage or any of the add-on products.
The best way to find out how much it will cost for your business is to get an instant quote—it only takes a few minutes.
Get a Quote Now
If you need to file a claim, simply log into your account and go to the Claims page to submit the details.
If you're not sure if you need to make a claim or want to talk about a situation that might lead to one, give us a call at 01305 839939 (Monday to Friday, 9 AM - 5 PM excluding bank holidays) or send an email to claims@westminster.global with a brief description of what happened. We're here to help you through the process!
Business insurance (Professional Indemnity, Public Liability and Medical Malpractice) provides your business (and you personally if you are a sole trader) with an essential safety net, offering vital protection against the stress and financial impact of respondin to a Claim. Without insurance, if you are faced with a Claim, you will need to fight this battle on your own or appoint solicitors to help you. The first option is unadvisable, time consuming and stressful. The second option is costly.
Remember, that should the very worst happen and there is a large compensation payment to make, the business has to find the funds to pay it - do you think it likely that it will have large amounts of spare funds?. If the business isn't incorporated, then it is your personal assets that will be used to make the payment.
Insurance provides a very cost effective option, peace of mind and security for your business.
Choosing the right insurance for your business depends on what kind of work you do, the risks involved, and any legal or contractual requirements.
To make it easier, try our Insurance Checker under Resources---just answer a few quick questions, we'll guide you through the right coverage.
Absolutely!
We have coverage tailored to fit you, so you only pay for exactly what you need. You can customise your policy based on the size of your business, what services you provide and what cover level you want. With hundreds of business practices to choose from, you can add as many as you like to one policy (provided you meet the requirements).
The best part is - if things change, your policy can change with you. All of our policies are adjustable so if you need to add cover for a new service you are offering, or you get a new employee, or simply want a higher cover level you can simply login to your Account and adjust your policy.
We understand that businesses change and grow, so that's why your protection can grow with you.
If you are offering any service, whether you are receiving payment or, and whether it is to the public or friends and family, it is advisable to have business insurance. Whether you are a Limited Company, a freelancer/sole trader, partnership or group, the same risks apply. By offering a service you are exposed to the risk of having a Claim made against you.
The cover is in place immeditaly and creating a quote only takes a couple of minutes
Absolutely! You can include as many practices as you need on a single policy, and you will only pay for the highest cost one. Here's how it works:
All in One Policy: List any number of practices without worrying about extra charges. Regardless if they are practices from different sectors.
Risk Levels Matter: Instead of charging for each practice, we charge based on the highest risk level of the practices you've chosen. Our tiers range from 1 (lowest risk) to 5 (highest risk).
One Cost, One Tier: So, if you include practices with different risk tiers, you'll only be charged according to the highest-risk practice on your policy. For example, if you have five Tier 1 practices and two Tier 5 practices, your rate is based on one Tier 5 practice.
Yes we do. We offer cover for Sole Traders, Self-Employed, Freelancers & Students.
Yes, absolutely! You can easily add additional business practices to your policy at any time through your online account—no need to call or email.
If the new practice falls within the same or a lower tier, there’s no extra charge. However, if it falls into a higher tier, there may be an additional cost, which will be clearly shown before you confirm the update.
Simply log in to your account, go to the Policy section, choose Edit business practices and choose what you want to add.
Important Note: If your update requires an additional payment, it must be paid in full at the time of the change—it cannot be spread across monthly instalments. Your updated coverage will still follow the original policy expiry date.
Our policy is 'Claims made' and covers Professional Indemnity, Public Liability, and Medical Malpractice Insurance under one simple policy. But what does that mean when it comes to claims?
Here’s an example:
You run a sports and health coaching business and have £1,000,000 in cover.
That’s £150,000 in claims—plus legal fees and reputation management costs
Since your policy covers all three types of insurance, and you report the claims promptly, we cover the costs up to your chosen limit.
In short: If a claim arises during your policy term and meets the policy criteria, we’ve got you covered—legal costs included.
Contraindications—symptoms or medical conditions that make certain treatments unsafe—must be carefully evaluated before each session. A thorough consultation should cover the client’s medical history, allergies, and medications, and they should sign a consent form confirming the information provided. If a contraindication is present, adapt the treatment accordingly or obtain a doctor’s approval if the client still wishes to proceed.
If the client is unable to obtain the doctor's approval in writing and has only verbal approval, they must sign to confirm that thay have consulted with their doctor and obtained verbal approval.
In the absence of the doctor's approval, or in the event that the client wishes to continue with the treatment against recommendation, treatment should not be provided. Even with a signed waiver form from the client confirming their consent, this may not be sufficient protection for you in the event of a claim.
You must always follow the guidance from your governing body and act within the guidelines of your profession. Do your due dilligence and make sure the person you re prescribing to is insured to provide that service.
There are 631 definitions here. Please use the search functions below to find what you are looking for. If you require help please call.
Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.
