If you operate as business and also engage employees, it is important to consider Management Liability cover. Beyond protecting your physical assets, claims in connection to your treatments, claims for third party injury or property damage, this insurance helps safeguard your financial wellbeing by covering the risks that come with running a business.
This policy protects directors, owners, and officers when allegations of wrongful acts arise from the management of your business. Your cover can be tailored to include cover for:
- Directors, Officers and company liability for allegations of wrongful acts
- Employment Practices Liability (e.g. harassment, unfair dismissal)
- Statutory Liability (fines or penalties from regulatory authorities)
- Crime (dishonest acts such as employee theft or fraud)
- Breach of statutory duties including workplace investigations
Cyber Insurance helps cover financial losses following a cyber incident, such as ransomware attacks, data breaches, or system damage. Depending on the situation, you may face costs for IT recovery, ransom payments, breach notifications, legal claims, or compensating clients whose information has been exposed.
A cyber breach can significantly damage your reputation from the sensitive nature of the information you hold, which is why we strongly encourage all cosmetic professionals to consider this cover.
- Protection against data breaches, hacking, and ransomware
- Coverage for IT recovery costs, system repairs, and cyber incident response
- Financial protection if client data is accessed, leaked, or misused
More cosmetic and beauty professionals are now running clinics from their homes. However, many home insurers won’t provide cover if you’re operating a business on the premises — especially when administering Schedule 4 products.
We can help arrange both your business insurance and appropriate home insurance to ensure your property and clinic are properly protected.
- Cover for home clinics where standard home policies may not apply
- Protection for property, equipment, and business assets kept at home
- Support for professionals handling Schedule 4 products from a home setting
