Frequently Asked Questions

What is treatment risk insurance?

Treatment risk insurance provides protection against claims by third parties alleging injury from the treatment provided. A standard Public Liability insurance excludes liability arising from professional risks such as advice, design, specification or treatment. That is why you would need to have a specialist liability policy or separate Professional indemnity insurance to cover your treatment risk

What treatments do we automatically cover?

• Hairdressing, hair perming, hair straightening, hair waving, hair cutting, hair colouring including the use of peroxide, mixtures, hair tinting, hair streaking, hair extensions, hair weaving, hair braiding, hair singeing, hair shampooing, hair conditioning, including hot oil treatments, hair washing, hair rinsing, hair setting or hair drying;
• Shaving and waxing;
• Make-up,
• Alpha Hydroxy Acid Peels, Glycolic Acid Peel and TCA Peel (Trichloroacetic Acid Peel);
• Acupuncture;
• Aromatherapy;
• Body Piercing (excluding genitals and or calf);
• Body Wrapping;
• Cosmetic Tattooing;
• Deep Tissue Massage, Massage (including hand, feet and neck), Remedial Massage, Hawaiian Kahuna Massage, Lomi Lomi Massage, Lymphatic and Body Massage including Hot Stone Massage (but excluding any manipulation or chiropractic activities);
• Diathermy;
• Ear Candling, Ear Coning and Thermal-auricular Therapy
• Electric Stimulation Cellulite Treatment and Cellulite Reduction Treatment;
• Electrolysis and other forms of Epilation and Electrotherapy;
• Energy Balancing;
• Epi-dermabrasion;
• Eyebrow Plucking or Tinting;
• Eyelash Tinting or Perming and fixing of False Eyelashes or Eyelash extensions;
• Facials including European, Ultra sonic facials and Micro-Current Facials;
• Galvanic Treatment;
• Hydrotherapy (but excluding any manipulation or chiropractic activities);
• Intense Pulsed Light (IPL Treatment), Variable Pulsed Light (VPL Treatment), Ultra VPL (Ultra-Variable Pulsed Light), Laser therapy and High Frequency Treatment;
• Lymph Drainage
• Manicuring including the extension of false fingernails or extension tips (gel or acrylic), Paraffin Treatments and Pedicures;
• Micro-dermabrasion;
• Mud Bath;
• Oxygen facials (but excluding all applications of oxygen or oxygen compounds intended to treat cancer or any other medical condition, ora pplied for any purpose other than cosmetic affect);
• Punctuation Induction/ Medical Needling with anaesthetic (excluding the administration of anaesthetic via injection or inhalation);
• Red Vein Removal with the use of Laser and including Diathermy;
• Reflexology, Reiki, Shiatsu and Watsu;
• Salt therapy in the form of dry aerosol saline inhalation
• Seaweed Wrap;
• Spray Tanning;
• Steam Treatments;
• Sugaring or Threading;
• Teeth Whitening (excluding the use of laser or gel containing more than 44% Carbamide Peroxide); and
• Vichy shower

What if I do a treatment that is not on the list of treatments covered?

There are new treatments becoming available every day and sometimes we can’t keep up with them. Just email or call us and we will request our Insurer to specifically cover it on your policy.