Essential protection for professionals working closely with clients and the public.
Whether you’re running a busy tattoo studio, operating a beauty clinic, or providing mobile aesthetic treatments, your business involves direct interaction with clients on a daily basis. Accidents can happen a client trips in your salon, reacts to a spilled product, or their belongings are accidentally damaged during a treatment.
Public liability insurance helps protect your business from the financial impact of these situations. At SP Insurance Services, we offer policies tailored to the unique risks of the tattoo and beauty industries, so you can operate with confidence.
What Is Public Liability Insurance?
Public liability insurance covers your business against claims made by members of the public for:
- Accidental injury
- Damage to property
- Legal defence costs associated with those claims
- Compensation and settlement payments
It does not cover injuries or adverse reactions caused by treatments themselves — for that, you’ll need Treatment Risk Insurance, which we can provide alongside your public liability policy.
Examples of When It’s Needed
Public liability cover is designed to protect your business if, for example:
- A client slips on a wet floor in your studio or salon
- You accidentally knock over and damage a customer’s mobile phone or handbag
- A treatment room lamp falls and causes injury
- A member of the public is hurt during an event, exhibition, or pop-up booth
Whether you’re working at a fixed location or offering mobile services, this type of cover is a core part of your business protection.
Who Should Have It?
Public liability insurance is strongly recommended for:
- Tattoo and piercing artists
- Beauty therapists and technicians
- Aesthetics and skincare practitioners
- Mobile beauty and freelance professionals
- Salon and studio owners
If you interact with clients face-to-face or invite the public into your workspace, this policy provides peace of mind.
What Does It Cover?
Our policies typically include:
- Third-party injury: Compensation if a client or visitor is hurt while on your premises or during a treatment
- Property damage: Covers damage to any property not owned by the insured
- Legal defence costs: Pays for legal representation and court fees
- Flexible cover limits: Choose from £1 million to £10 million, depending on your needs and contracts
We’ll help you select a level of cover appropriate for your business type and size.
Why Choose SP Insurance Services?
We understand the specific risks and regulations faced by professionals in the tattoo and beauty industries. With over 25 years of experience and access to a trusted panel of insurers, we make it easy to get the right cover at the right price.
- Tailored cover for your services and location
- Dedicated support — no call centres or automated systems
- Optional add-ons like treatment risk and contents cover
- Fast, no-obligation quotes
Combine With Other Core Cover
We can build a full insurance package that includes:
- Treatment Risk Insurance
- Employers’ Liability Insurance
- Tools and Contents Cover
- Business Interruption Insurance
- Buildings or Studio Insurance
This ensures you have full coverage from all angles, under one policy provider.
Get a Quote Today
Accidents happen. Make sure you’re protected against the unexpected with reliable public liability insurance tailored to your tattoo or beauty business.
Start your quote online or contact us directly.
Call 0204 515 2022 or email info@spinsuranceservices.co.uk
Find out more about our Tattoo & Beauty Insurance
