Microblading, a treatment creating the illusion of fuller brows, is one of the biggest trends in the beauty industry.
It allows both men and women to look their best and increases their confidence and self-esteem.
As a newly qualified beautician or new business owner, you may be wondering how you can best insure your microblading business to protect yourself against lawsuits and injury claims.
After all, you’ve worked hard to get your business started and you don’t want to lose everything over a dissatisfied customer.
From necessary qualifications to policy types and costs, here’s everything you need to know about microblading insurance.
What Is Microblading?
Microblading is a semi-permanent treatment enhancing the colour and definition of your eyebrows.
A hand-held tool with small needles at the end is used to create fine incisions on the top layer of the skin and add pigment to mimic the natural growth of the eyebrows.
The eyebrow shape and colour usually remains intact for 12-18 months, depending on skin type and skincare routine.
Why Do I Need Microblading Insurance?
Microblading is a procedure requiring great skill, patience, and attention to detail to get the right results. It’s a delicate process carrying potential risks even after years of practice.
Despite your best efforts, there is always a chance some of your customers won’t be perfectly happy with the results, will get injured, or suffer an infection.
A disgruntled customer may decide to file a lawsuit against your business. Without microblading insurance in place, you’ll have to cover the costs of the legal defence yourself. And it may take no more than a single lawsuit or claim to drive you to bankruptcy.
Having the right insurance is essential when you’re in the microblading industry.
Whether you are self-employed, a freelancer, or you work in a salon, insurance will protect your business so you can continue doing what you’re passionate about.
Best Microblading Insurance Companies
BABTAC, the Association of Beauty Therapy and Cosmetology is the leading membership association for professional in the beauty industry
Established in 1977 the non-for-profit company aims to support industry professionals while raising standards and working practices. Along with a strong ethical code of practice, the association offers insurance policies for businesses and individuals. A membership with BABTAC provides access to specialist insurance including options to cover microblading plus training opportunities and discounts.
For many beauticians looking to offer microblading it is the go-to resource for organizing accreditation, information and legal cover. Their strong reputation is backed up by plenty of online reviews and recommendations in professional beauty forums. BABTC is registered in the UK with the Financial Conduct Authority (FCA) with registration number 305787.
Towergate is a large British insurance broker operating since 1997. The well-known company has acquired an impressive collection of specialist insurance companies over the past two decades.
The expert customer service team helps you draw up a policy to suit your needs including health, beauty and microblading specialisms. They take your requirements and use the extensive Towergate network to find you the right policy. You’ll have plenty of options and access to a wide range of providers. Towergate maintains an impressive online reputation with a 4.6 out of 5 rating on Feefo from over 5000 reviews. The big-name insurance broker is registered with the Financial Conduct Authority under numbers: 307332 and 313250
Balens insurance broker specialize in the health and wellbeing industry. The smaller firm still has its roots in a family run business offering a personal approach with strong company ethos and values.
You’ll benefit from their focus and expertise in the beauty therapy industry including microblading insurance policies. Happily, Balens have a strong 4.4 rating on Google Reviews and when you read the comments you see plenty of personal comments about honesty, helpful staff and efficiency in finding you the right cover. Balens insurance broker is registered with the FCA under the number 721566
As you might be able to guess from the name, Saloninsurance4u is an expert in beauty insurance including microblading. 30 years of experience is reflected in the company website which provides heaps of helpful information about policies.
A clean clear modern website makes it easy to navigate and quickly fill in a quote form. The team then quickly get to work finding the right quotes and policies to suit your needs. You’ll find cover for large businesses and mobile freelancers alike. Unfortunately, there is very little to find for online reviews and reputation so perhaps do your own research before choosing the company to go with. Saloninsurance4u is registered with the FCA on number 496879.
What Does Microblading Insurance Cover?
A standard microblading policy includes public liability, product liability, treatment liability, and professional indemnity. If you have employees, you’ll also need to take out employers’ liability insurance.
Public liability covers your client if an injury occurs either in their home, your salon, or another premise where you’re carrying out the treatment. The most commonly reported injuries are due to slip-and-fall accidents. Should a customer file a lawsuit against you, public liability insurance will help cover any legal fees and the cost of medical care.
Public Liability protection of up to £3 million per claim is the standard, however, the coverage can be increased to £10 million.
Product liability insurance covers compensation claims for injuries caused by a faulty product you’ve used or recommended to a client during the treatment. The policy also covers any accidental damage of the client’s property due to spilling a product onto their clothing or bags, for example.
Product liability usually covers claims of up to £3 million in a calendar year, but the coverage can be increased to £5 million.
Treatment liability covers up to £3 million per claim when the client has an adverse reaction to the microblading procedure such as swelling and infection.
Professional indemnity covers malpractice and any substandard work. It protects your business from the cost of compensation claims when a client believes you’ve been negligent or made a mistake during treatment. Given that lawsuits for poor work are fairly common, it’s important to make sure you’re covered by professional indemnity insurance.
Professional indemnity offers protection of up to £3 million per claim.
If your microblading business employs any members of staff including trainees, students, and temporary employees, you are required by law to take out employers’ liability insurance.
Employers’ liability protects your finances if a staff member is injured at work and makes a claim against you. The insurance pays for expenses related to compensation, medication, hospitalisation, and legal costs when an employee sues your business.
What Additional Coverage Can I Get?
Given the sensitive nature of the microblading profession, you may want to consider additional insurance on top of the coverages included in the standard microblading insurance. Here are some of the options available:
Equipment insurance protects your equipment from loss, damage, or theft so if anything happens, you can carry on with your business. This additional coverage gives financial protection of up to £1,000 per claim.
Commercial property insurance
Commercial property insurance helps you pay for the cost of repairing or replacing the property that is damaged in a fire or storm, so you can continue doing your business.
Contents insurance protects your trade stock, fixtures and fittings, and furnishing against common risks. It is valid both if you run your business from a rented building or you are the property owner.
Stock insurance provides coverage in case your stock gets damaged or stolen.
Electronic equipment insurance
Electronic equipment insurance covers all electronic items such as mobile phones, laptops, and cash registers that may break down or get stolen.
Business interruption insurance
Business interruption insurance covers you for loss of profit and additional expenses in case you are unable to continue doing business after an insured event occurs.
Glass and shop-front insurance
Glass and shop-front insurance provide cover for the replacement of broken or damaged glass in your salon. This includes both the shop front, windows, mirrors, and any glass in display cabinets. Many insurance companies offer a 24-hour glass replacement as part of their service.
What Certifications and License Do I Need?
Most microblading insurance providers require beauticians to have all of the necessary training, certification, and licenses in place before they can purchase insurance.
Because microblading involves delicate procedures with tools that can easily cause injury, you must show you have adequate knowledge and skills to perform your job safely.
The majority of insurers will require a certificate of training, including a certain amount of hours of instruction to qualify for an insurance policy.
You will usually need to have a VTCT Level 4 Certificate in Enhancing Eyebrows with Microblading Techniques and prove you have practised on at least five models in training.
To register your business with the local council and gain insurance you will require proof of this VTCT Level 4 certification.
The course generally takes several in-person seminars plus home study so plan for this to take a few weeks to complete.
Prices range from £300 to well over £1000 depending on your current skill level, course and qualification you choose.
Additionally, you’ll be asked to provide an acknowledgement accepting the full responsibility of keeping your equipment well-maintained and sterilised.
Most policies will be invalid if you are not sufficiently qualified to perform the treatment and if you are not acting with due care or attention.
You have to be registered with your local authority both to practise microblading and to be able to insure your business.
The purpose of registration is to ensure basic health and safety standards are maintained in the premises where microblading treatments are carried out.
To purchase a microblading insurance policy, you must hold a valid business licence, unless you are working for someone else.
Licencing requirements for microblading insurance include providing your client consent forms and aftercare forms.
What to Look for in a Microblading Insurance Policy?
Choosing the right microblading insurance for your business is essential if you want to have the best experience when it comes to receiving benefits and getting hassle-free claims.
When weighing your options, consider the coverage you will get for the price. A good policy has sufficient coverage limits and is at the same time economical. Read the terms of your policy carefully and make sure it suits your current financial situation.
Here are a few other things to keep in mind when choosing a microblading insurance:
- Flexible payment options
- The possibility to tailor the insurance to your particular needs
- The agent’s familiarity with the industry
- The company’s average response time after filing a claim
- Cheapest is not always the best if it doesn’t fully cover you
Finally, you should verify the insurance company is registered with the Financial Conduct Authority (FCA) and check its ratings before making any commitments.
How Much Does Microblading Insurance Cost?
There are several factors affecting the cost of your microblading insurance:
- Your revenue
- The sizes and your experience in microblading
- The number of people in your business
- Years in business
- Employees working for you
- The number of clients you serve
- Personal care services offered
- Business equipment and property
- The location of your business
- The amount of cover you choose.
Always compare insurance quotes before making the decision. You may want to speak to a reputable insurance broker who will give you expert advice, help you find the coverage suiting your needs, and get you the best offer.
So that’s it, everything you need to know about microblading insurance from the best policy providers to what it covers.
Remember cheapest is not always best if it doesn’t cover you when you need it the most.
Plus ensure you have the right qualifications so you are fully trained for any procedures you offer.