Professional Indemnity, Public Liability & Medical Malpractice
All the essential protection you need...
Personal Accident
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Cyber Liability
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Portable Equipment
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Employer's Liability
Usually a legal requirement if you have employees, apprentices, or work experience students.
Workplace Contents
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
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See all services covered
See and search through the full list of services you can get covered for, it’s growing every day!
See all sectors
See what other interesting sectors we work with.
Aesthetics, Hair & Beauty
Animal Work
Creatives
Cleaning & Organising
Counselling & Therapy
Coaches
Holistic Therapies
Management & Consultancy
Massage
Mental Wellbeing
Parent & Child
Physical Health & Fitness
Spiritual & Astrological
Teaching & Training
Tattoo & Piercing
Claims
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.
FAQ
Our comprehensive FAQ section should answer all your questions but if not we're always here to help.
Complaints
We hope you won't need this information but if you do, learn how your complaint will be handled.
How it Works
Check us out before you purchase. See how our quote, policy issue, renewal and policy management will work.
Qualification Requirements
Knowledge, experience and qualifications are all vital, but understand why we don't ask you to send proof when insuring you.
Guide for Aesthetics, Hair & Beauty Businesses
A rewarding industry — but new treatments and services bring new risks. Here's what aesthetics, hair and beauty businesses need to know.
Contact Us
Speak directly with one of our team during working hours, or email if more convenient. We're here to help!
Policy Wording
Read the small print of our policy wording to understand your cover.
Knowledge Center
Learn all about the world of small business, insurance tips and helpful info about your industry
Customer Reviews
Hear what our customer have to say about their experience with Westminster
Insurance Checker
Not sure what insurance you need? Use the insurance checker to find out.
About Us
Learn about who we are and why we've dedicated ourselves to safeguarding the dreams and aspirations of entrepreneurs for over 20 years.
Insurance for Professional Organisers & Decluttering Practitioners - Made Simple & Affordable.
Established since 2004
Authorised
Recommended by training, accreditation and membership bodies.
A+ rated insurer
With Westminster Insurance, you're protected from day one—whether you're working in homes, offices, or commercial spaces.
Everything you need in one simple policy.
For professional mishaps including mistakes in your work, bad advice or negligence.
For injury to others including clients and third parties, and damage to property
Covers injury or damage caused by products you supply or use.
Protects you if a client alleges that your treatment or advice caused them physical or emotional harm
Extra built-in protections like defamation, breach of confidentiality, and more.
Professional Indemnity insurance protects you if a client claims that your advice, service, or work caused them financial loss or reputational harm. Whether it's a mistake, oversight, or miscommunication, it covers legal costs and compensation if you're found to be at fault — helping you defend your reputation and your business.
Public Liability insurance covers you if someone is injured or their property is damaged because of your work. It protects against claims made by clients, members of the public, or venue owners — covering legal fees and compensation if you're held responsible. Essential for anyone interacting with people or working in different locations.
Protects your business if a product you sell, or use as part of your service causes injury or damage. This includes handmade goods, skincare products, teaching resources or tools used during your service.
Medical Malpractice insurance protects you if a client claims your treatment, therapy, or wellness service caused them harm — physically or emotionally. It covers legal defence and compensation costs if you're accused of causing injury or distress through your professional techniques, advice, or products.
Automatically included extras that enhance your protection — covering things like breach of confidentiality, defamation, dishonesty by staff, loss of documents, and more.
Giving comfort and removing the hassle and stress.
No salesmen, no gimmicks! We just make insurance easy.
Adjust your policy easily as you grow with no admin fees
Get your quote and coverage within minutes, with a simple online quote
A client trips over boxes or equipment during a session and makes a claim for injury.
While decluttering, you accidentally damage a client's expensive furniture or item and are held liable.
While organising a home office, sensitive client documents are misplaced or exposed, leading to a claim of breach of confidentiality.
Build your policy to include cover for areas you need
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.
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.
You became a professional organiser to help people live and work better—not to worry about claims, legal issues, or whether your insurance will really protect you. But even the most experienced organisers can face accidents, disputes, or misunderstandings—and one incident could put your business at risk. That’s where Westminster comes in. We specialise in protecting small service-based businesses like yours, with flexible cover that grows with you. Our policies are quick to set up, easy to adjust, and if something ever does go wrong, you’ll speak to a real person—not a bot. You focus on transforming spaces—we’ll focus on protecting your business.
A few simple steps, and you'll have a quote that's tailor-made for you. With immediate purchase, or time to think about it, the option is yours.
Choose from a wide list of services and add as many as you like.
Add the protection you need at the level you want, including optional extras like workplace contents or employers' liability.
You're protected in minutes, and you can update your policy anytime—no fees.
Build your custom policy and get insured in minutes with our simple online quote builder. If you have any question, reach out to our helpful team at 01305 839 939.
Join the thousands of businesses that trust us not just for our tailored insurance solutions, but for our exceptional customer service. We're not just your insurer; we're your partner, ready to support you whenever you need us.
Phone and you'll get through to real people straight away - no automated phone systems, long wait times or generic scripts. We're here to help, not hold you up.
Helping thousands of customers along the way
By Accreditation bodies, Training Schools and our Clients
Big enough to lead. Small enough to care
Westminster provides flexible, affordable insurance for professional organisers and declutterers across the UK. Whether you're working in homes, offices, or commercial spaces, our tailored policies include public liability, professional indemnity, and optional extras like equipment cover and personal accident protection—all designed to support your growing business. |
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