Why beauty teaching insurance may give that extra level of protection for tutors
Updated: Jan 18
If you are a career beautician, you will have spent a long time perfecting your craft. You understand how challenging this type of profession can sometimes be and may want to pass on your extensive knowledge to others. In this case, you may want to help people just starting out in the industry who aspire to be top-class beauty therapists but will undoubtedly need some loving guidance along the way. So, why not teach others to help them move ahead? It’s a very gratifying thing to do but remember, it does not come without its risks, and you should think about getting adequate insurance cover. How can beauty teaching insurance help you prepare for your journey?
Understanding the Insurance Essentials
Every beauty therapist needs insurance, given the undoubted risks they may face. It doesn’t matter whether they are mobile beauticians or rent a chair in a local salon owned by somebody else; they could still be vulnerable due to mistakes or accidents.
What Are the Risks Involved?
By the very nature of their work, a beauty therapist gets very close and personal with their clients. Therefore, if anything were to go wrong, it could lead to personal injury or mental harm. After all, some of those products include harsh chemical substances. If the therapist incorrectly applies them, this can lead to inflammation, scarring, burning and worse.
It’s not unusual for patients to have a bad reaction to a treatment that may involve skin discolouration, blistering, infections, scarring or even muscle paralysis. Should a customer suffer from any or all of these issues, they are very likely to seek compensation from the person who caused them, no matter if it was unintentional.
What Are the Potential Repercussions?
When a compensation claim goes to court, all bets are off. It’s difficult to know how much compensation the judge will award, and if it is a complicated case, the plaintiff may bring in specialists and an expensive legal team. When considering any judgement together with cost on both sides, the outcome could be disastrous.
Clearly, as an experienced beautician in your own right, you will be familiar with these risks. In addition, you may have your own insurance in place already. Still, if you are striking out on your own, you certainly need the fundamentals before turning your attention to additional beauty teaching insurance.
What Are the Different Types of Beauty Therapist Insurance?
Treatment and Malpractice Insurance
The most important insurance in the industry is treatment and malpractice coverage, which will come to your aid if somebody sues you for injuries caused by your actions. It’ll help you with claims relating to bodily injury, illness or even death attributable to therapies or treatment.
This is another vital piece of coverage for those who provide their own professional services. It will also include coverage should you give bad advice or breach a client’s confidentiality.
Public Liability Coverage
This is crucial for those who may visit a client’s home to provide their services. For example, if a beautician should spill a harsh chemical on an expensive piece of furniture, they could ask the insurance company to look at the case rather than having to foot a costly bill. This type of coverage will also protect you if you somehow cause an injury due to your presence at the client’s home.
Don’t forget that the equipment you use is costly. If it were damaged or lost, you’d have to find the money to replace it. If someone were to steal that expensive gear, would you be able to move on and get something else instead, or would you run into financial difficulties? In this case, you should discuss equipment coverage with your broker.
While these are fundamental requirements for a beauty therapist, you will need to take additional steps as a tutor.
What About Beauty Teaching Insurance, Specifically?
Sometimes there is a crossover with existing coverage. For example, your treatment and malpractice insurance may protect you if an injury or illness is caused while you are teaching a student how to perform a particular therapy. Also, the public liability coverage will be in place should you visit a student’s home to demonstrate a procedure and someone gets injured.
Teacher training insurance is available to qualified individuals as additional, optional coverage. If eligible, you can use it to augment your freelance or mobile policies, subject to any particular clauses or requirements laid down by the company.
What Are the Additional Requirements?
When you talk with your adviser, ask them about the small print. For example, you may need to hold a teaching qualification that is recognised locally or nationally. In addition, you may need to ensure that your qualification is treatment-specific before getting protection in that area.
You must often ensure that your students have their own insurance before you can continue with any “hands-on” teaching. There may also be restrictions that relate to how much of your income is linked to education or training. Therefore, to set up a proper beauty teaching business, you must talk with your adviser to see what is available.
Do You Need Accreditation?
As you know, there are many great teaching institutions across the country like TAFE NSW, where you can put your industry expertise to work and qualify as a professional trainer via the nationally accredited Certificate IV in Training and Assessment. You will typically need to show that you have accreditation from one of these places. When qualified, you should then be able to get your protection. First, however, you should talk with a beauty teaching insurance agency to get all the finer details.
Getting Further Details
If you’re looking for beauty teaching insurance in Australia, talk with the experts who will have experience with this niche coverage. The experts at Salonsure are waiting for your call so that you can get your protection and continue with your quest to help others in your field.