Personal
Insurance
Cover
Got a question or not sure what cover you need?
Got a question or not sure what cover you need?
Why work with SP Insurance Services?
Choosing to work with us means benefiting from over 25 years of industry expertise, ensuring you receive top-notch service and personalized attention. Additionally, our extensive panel of insurers provides you with a wide range of options, giving you the best possible coverage tailored specifically to you.
experience
individual staff
Who we work with
How we work with
vulnerable clients
It is important to recognise that anyone can be or become vulnerable at any point in their life, and some customers may be at a higher risk of harm than others.
5 Oct 2026| By Anthony J. Wood
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What Insurance Do I Need to Work on a Construction Site?
If you work on construction sites, you may be asked to provide proof of insurance before you are allowed to start work. The insurance you need will depend on several factors, including whether you are self-employed, employ other people, work as a subcontractor or main contractor, the type of work you undertake and the requirementsRead more Read more about this post
29 Sep 2026| By Anthony J. Wood
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Does Public Liability Insurance Cover Accidental Damage?
If you accidentally damage someone else’s property while carrying out your work, you may wonder whether your public liability insurance could cover the cost. The short answer is that public liability insurance may cover certain types of accidental damage to third-party property, but it does not cover every accident or every type of property damage.Read more Read more about this post
27 Aug 2026| By Anthony J. Wood
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What Happens If a Client Reacts Badly to a Chemical Peel or Microneedling Treatment?
Chemical peels and microneedling are cosmetic treatments that can carry potential risks. Depending on the treatment and individual circumstances, clients may experience expected short-term effects such as redness, sensitivity or swelling, while complications can also occur. For beauty and aesthetics professionals, this raises an important question: what should you do if a client reports aRead more Read more about this post
27 Aug 2026| By Anthony J. Wood
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Advanced Beauty Treatments: What Extra Cover Do You Need Beyond Public Liability?
Public liability insurance can be an important part of a beauty business insurance package, but it may not address every risk associated with the treatments you provide. For beauty professionals moving into advanced beauty treatments, this distinction can be particularly important. Procedures such as chemical peels, microneedling and laser or IPL treatments may create treatment-specificRead more Read more about this post
4 Aug 2026| By Anthony J. Wood
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Is Public Liability Insurance in the UK a Legal Requirement?
One of the most common questions asked by business owners is “Is public liability insurance in the UK a legal requirement?” Whether you’re a sole trader, contractor, retailer or run a growing company, understanding your legal responsibilities and the risks your business faces is an important part of protecting your livelihood. The simple answer isRead more Read more about this post
4 Aug 2026| By Anthony J. Wood
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What Insurance Does an E-commerce Business Need?
Starting and growing an e-commerce business has never been more accessible. Whether you operate through your own e-commerce website, sell via an online platform, or use a third-party platform such as Amazon, eBay or Etsy, running an online business comes with unique opportunities and responsibilities. While many people assume that selling online carries fewer risksRead more Read more about this post
4 Aug 2026| By Anthony J. Wood
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Your Guide to Public Liability Insurance for Beauticians
If you work as a beautician, nail technician, lash technician, or massage therapist or own a beauty salon, protecting your business against unexpected claims is an important consideration. While delivering treatments safely and professionally is always the priority, accidents can still happen. A client could slip in your salon, experience an unexpected reaction following aRead more Read more about this post
13 Jul 2026| By Anthony J. Wood
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Do Mobile Beauty Therapists Need Insurance?
Working as a mobile beauty therapist offers flexibility and convenience, allowing you to provide treatments in clients’ homes, rented treatment rooms or other locations away from a traditional salon. However, working in different environments also means your business may face different risks. A common question many beauty professionals ask is: “Do mobile beauty therapists needRead more Read more about this post
