Lash Technician Insurance
Working so close to someone’s eyes comes with unique risks. Protect your livelihood with Lash Technician Insurance.
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What is Lash Technician Insurance?
Lash Technician Insurance is a specialised type of coverage designed for beauty professionals who provide eyelash services, such as extensions, lifts, tints or perms.Â
It’s tailored to address the specific risks you face when working with delicate tools, adhesives and clients’ sensitive eye areas.Â
This insurance combines various policies, such as Public Liability, Product Liability and Professional Indemnity, to ensure you’re financially protected if something goes wrong.Â
Who Should Consider Lash Technician Insurance?
Here’s who should consider Lash Technician Insurance:
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Solo Lash Technicians: If you’re self-employed, working from home or renting a chair in a salon, insurance protects you from personal liability for accidents or claims.
Mobile Lash Artists: Travelling to clients’ homes or different locations? You’ll need coverage for your equipment and potential incidents at various sites.
Salon Owners: If you employ staff or own a premises, you’re responsible for their actions and the safety of your space, making insurance a must.
Freelancers or Part-Timers: Even if you only do lashes occasionally, you’re still exposed to the same risks as full-time professionals.
Beauty Students or Trainees: If you’re learning the trade and performing services, some policies cover students to ensure you’re protected.
What Does Lash Technician Insurance Cover?
Eyelash treatments are generally safe, but accidents can happen when working with sharp tools, chemical adhesives and sensitive skin. Lash Technician Insurance covers a range of risks to keep your business financially secure.
Here are the risks typically covered:
01
Client Injuries: If a client suffers an injury during a treatment (e.g., an eye injury from tweezers or an allergic reaction to adhesive), Public Liability can cover legal costs, medical expenses and compensation claims.
02
Product-Related Issues: Product Liability can protect you if a client has an adverse reaction to products you use or sell, such as lash glue or serums. This is crucial because you could be held liable for damages even if you didn’t manufacture the product.
03
Professional Mistakes: Professional Indemnity can cover claims arising from your advice or services. For instance, if a client claims your lash application caused long-term discomfort or damage, this policy can cover legal fees and compensation.
04
Equipment Damage or Theft: If you’re a mobile technician, this insurance can cover your tools (e.g., lash trays, tweezers or magnifying lamps) if they’re damaged, lost or stolen during transit.
05
Business Interruptions: Business Interruption can help replace lost income if you can’t work due to an insured event, such as a fire, flood or illness. This is especially helpful for mobile technicians or salon owners.
06
Employer Liability: If you have staff, Worker’s Compensation is legally required in Australia. It can cover compensation and legal costs if an employee is injured or falls ill due to their work.
07
Premises Damage: For salon owners, this insurance can cover damage to your business premises or stock from events like fires, floods or vandalism.
08
Cyber Risks: If you book clients or process payments online, Cyber Insurance can cover costs from data breaches or cyberattacks, protecting your business and client information.
Frequently asked questions
Does Lash Technician Insurance cover other beauty services I offer?
Many Lash Technician Insurance policies can be customised to cover additional treatments, like eyebrow tinting or waxing, as long as you’re qualified. Check with your provider to ensure all your services are included.
Can Lash Technician Insurance cover me if I work at multiple salons?
Yes, many policies are flexible and cover you across different work locations, including multiple salons or pop-up events. Ensure your policy includes multi-site coverage and inform your insurer of all locations to avoid gaps in protection.