Legally required cover to protect your staff and your business.
If you run a tattoo studio, beauty salon, aesthetics clinic, or mobile treatment business and employ staff — even part-time, temporary, apprentices, or trainees — you are legally required to have employer’s liability insurance.
This cover protects your business if an employee becomes ill or injured as a result of their work. At SP Insurance Services, we offer tailored employer’s liability policies for businesses in the tattoo and beauty industries, helping you stay compliant and protected.
What Is Employer’s Liability Insurance?
Employer’s liability insurance covers the cost of compensation claims if a current or former employee sues your business for injury, illness, or disease caused while working for you, all subject to negligence.
For example, claims might arise if:
- A junior technician slips on a wet salon floor and is unable to work
- A tattoo apprentice develops a reaction from prolonged exposure to unlawful chemicals or inks without awareness
- Employee developed a skin rash from cleaning products used in the shop
Note: These examples are illustrative only and do not represent guaranteed coverage. All claims are subject to the specific terms, conditions, and exclusions of your insurance policy.
Is Employer’s Liability Insurance a Legal Requirement?
Yes. In the UK, if you employ anyone — even a part-time assistant, apprentice, or volunteer. You are also are required by law to hold employer’s liability insurance for anybody who is in your care, custody or control or anybody who you give direct instruction to.
UK law states that you must hold a minimum of £5 million in cover, unless you’re exempt (for example, a sole trader with no employees). Most UK insurance companies will offer a £10 million employers liability cover as standard.
Failure to hold valid cover can result in significant fines of up to £2,500 per day. (https://www.gov.uk/employers-liability-insurance)
Who Needs It?
This cover is essential for:
- Tattoo studios with employees or apprentices
- Beauty salons and aesthetics clinics with therapists, reception staff, or trainees
- Mobile treatment businesses with assistants or support staff
- Any business that hires staff on PAYE, contracts, or as temporary workers
Even if your team is small, this cover is vital for both legal compliance and financial protection.
What Does It Cover?
Our employer’s liability insurance typically includes:
- Employee injury or illness: Covers claims resulting from work-related injuries or conditions
- Legal defence costs: Covers legal representation and associated expenses
- Compensation payments: Pays awarded settlements or out-of-court agreements
- Flexible limits: Standard cover of £10 million, with higher limits available if needed
Why Choose SP Insurance Services?
We understand the specific needs of tattoo and beauty businesses when it comes to staff risk and regulatory compliance. With over 25 years of experience in the industry, we provide practical, tailored insurance that works for your business.
- Legal, compliant cover from FCA or PRA regulated providers
- Fast and easy application process
- No call centers, just personal, expert support
- Option to combine with other policies like public liability and treatment risk
Bundle With Other Essential Cover
We can package your employer’s liability insurance with:
- Public Liability Insurance
- Treatment Risk Insurance
- Tools and Contents Cover
- Business Interruption Insurance
- Buildings and Studio Insurance
- Tattoo & Beauty Insurance
Bundling your cover simplifies your insurance and ensures you’re fully protected.
Get a Quote Today
If you employ staff in your tattoo or beauty business, employer’s liability cover isn’t just important — it’s required by law. Let us help you stay compliant and protect your team with confidence.
Request your personalised quote online or speak with one of our advisors.
Call 0204 515 2022 or email info@spinsuranceservices.co.uk
Your team is your business. Make sure they’re protected.
Find out more about our Tattoo & Beauty Insurance
