Liability insurance for a self-employed beautician
Whether you work from your own home, from a rented cabin or at clients' homes, liability sits slightly differently in each of those three places.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The first misconception in this group is that personal liability insurance responds as soon as you work at home. It does not: that policy excludes damage connected with a profession or business. If a client trips over the cable of your vaporiser, slips on the stairs to your treatment room or your dog bites while a client is coming in, you stand alone as a business owner. In that last case Article 6:179 of the Dutch Civil Codealso applies: as the keeper of an animal you are liable without any fault having to be shown. If you own the home, a defect in the building is also subject to Article 6:174 of the Dutch Civil Code.
If you rent a cabin in a salon, hairdresser's or gym, you are not that business's staff and so are not covered under its policy. Landlords therefore almost always ask for your own liability insurance and for a record of who bears which loss. If you damage the treatment chair, the basin or the equipment that goes with the cabin, that is damage to property in your in your care; the care, custody and control exclusion takes that payment off the policy unless you take care, custody and control cover.
What else is not covered: redoing or refunding a treatment, a client who simply does not get the promised result (pure financial loss), fines from a regulator, and your own absence through illness or accident. Anyone wanting to protect their income during long-term absence ends up with disability insurance or a comparable arrangement. How the cover works in general is set out on the hub page about public and employers' liability insurance.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
Independent, personal, sorted quickly
We compare your business liability insurance (AVB) across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Business liability insurance (AVB)
Compare
Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four points that make the difference between covered and not covered in a one-person practice.
Clients coming into your own home
A treatment room at home means visitors come in through your hallway, stairs or garden path. Provide lighting, a clear route and a non-slip mat, and state expressly when you apply that you work from home. If you do not, the insurer is missing a circumstance he needed for the assessment, with the consequences under Article 7:928 of the Dutch Civil Code.
Treating at the client's home
A spilled product on a wooden table or a stain on the sofa is third-party property damage and covered in principle. But the piece of furniture on which you lay out your materials or on which the client lies can be treated as property in your care, custody and control. Work with your own protective covering and treatment couch. That saves argument as well as damage.
Permanent make-up and skin piercing
Microblading, permanent make-up and piercings break the skin. That requires a licence from the GGD (the municipal health service) under the Warenwetbesluit tatoeëren en piercen (the Dutch decree on tattooing and piercing), with requirements on hygiene and sterile working. Without a valid licence an infection claim is almost impossible to defend and the insurer can rely on the absence of a statutory requirement.
Reporting new techniques
If you expand with equipment, non-injectable techniques or skin improvement, report it during the policy term. The description on your policy determines what is insured, not what you actually do. An increase in risk that is not reported can, under Article 7:930 of the Dutch Civil Code, lead to a reduced payment or to rejection of precisely that claim.
What does your premium depend on?
- Annual turnover: the basis for a sole trader
- Workplace: practice at home, rented cabin or mobile working
- Type of treatments: care treatments or techniques that break the skin
- Equipment used: and the training for it you can evidence
- Care, custody and control cover: for other people's equipment and furniture
- Sum insured chosen: together with the excess you keep
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVB (business) | AVP (personal) |
|---|---|---|
| A client slips on the stairs to your treatment room upstairs | Yes | No |
| You spill body lotion over a client's suede sofa at her home | Yes | No |
| Your child throws a ball through the neighbours' window while playing | No | Yes |
| In a holiday home you knock the landlord's television off the cabinet | No | Yes |
| You fall down the stairs yourself and cannot see clients for four months | No | No |
| The municipality imposes a fine because the licence for permanent make-up was missing | No | No |
As soon as a client or an assignment is involved, the loss moves from the right-hand column to the left.
Frequently asked questions
This is what people ask us most.
I already have personal liability insurance. Is that not enough?
No. That policy covers you and your family privately and excludes damage connected with the practice of a profession or business. As soon as someone comes in as a client, that is professional. Liability for your dog or for a defect in your home also falls outside that cover during a business visit. For that you need a business policy.
I rent a cabin in a salon. Am I covered under their policy?
Not automatically. The salon's policy insures that business and its staff, and you are neither. You are covered only if you are expressly named as a co-insured on their policy schedule. In reality your own insurance is simpler and is often a condition in the rental contract as well. Also record who bears damage to the cabin.
A client gets an infection after permanent make-up.
That is personal injury and in principle the territory of this insurance, provided this technique appears in your stated capacity. The insurer will check whether you worked with sterile materials, whether your GGD licence was valid and whether you gave written aftercare instructions. If the licence is missing, that is an independent ground for refusing cover.
Am I insured myself if an accident stops me working?
Not on this policy. Liability insurance pays for damage you cause to others, not for your own loss of income. As a self-employed professional with no employer you have no continued pay; disability insurance (AOV) or an alternative such as a broodfonds exists for that. That is a separate consideration, apart from liability cover.
Every situation is different. For these situations we have a separate page.
- Compare public and employers' liability insurance (AVB)The main page
- Liability insurance for a self-employed masseurWorking on location, being hired in, indemnities
- Liability insurance for a self-employed hairdresserTreatment damage, allergies, chair rental
- Liability insurance for a self-employed cleanerInside clients' homes, care, custody and control, recovery
- Liability insurance for a massage practiceTreatment damage, contraindications, business activity
- Liability insurance for a self-employed dog walkerAnimals in the course of a business, personal policies, group size
- Liability insurance for a self-employed graphic designerSecondment, working from home, purchasing conditions
- Liability insurance for a self-employed animal carerDog walking, key holding, animals in your care
- Liability insurance for a recruiterRecruitment and selection, office at home, candidate files