Make-up artist insurance

Treatments liability insurance covers you if a member of the public becomes ill or is injured because of a treatment you have performed on them.

The treatments we cover, as standard, include:

• Make-up application
• Eyebrow plucking, shaping, threading and tinting
• Eyelash curling, perming, tinting and eyelash extensions
• Face & body painting, including henna art and su-do body art

For an additional premium, you can also add other beauty treatments to your policy, if required. Other treatments we cover include:

• Face masks
• Hair removal
• Manicure and pedicure

We do not cover the following treatments:

• Semi-permanent pigmentation or semi-permanent makeup

Find out more about the treatments we can cover you for here.

Contents and stock cover is essential for businesses that supply goods or rely on specific equipment to run their business.

A seamstress would not be able to work without a sewing machine, a web designer would not be able to code without a computer and you may not be able to run your business without your trusty tablet.

Meanwhile, there will be other more general items that you might rely on for your business, like your office furniture or your shop tills. Insure your business contents so that if they're damaged by an insured event, such as fire or theft, your business keeps going.

If you sell goods, you'll want to insure your stock, whether that's raw materials or the finished article. If your goods are damaged or stolen, what have you got to sell?

Our different cover options allow you to insure your business equipment and stock at your premises, when you're on the move, or both. Whether you work at home, at fairs, in shared workspaces or visit a lot of clients, we've got you covered. And when you insure stock at your premises or home, you'll also get an extra 25% of stock covered for two months of your choice as standard, ideal for your busiest periods.

And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles, or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

Cover & claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays.

You also have the option to insure goods in transit. This means that when you're carrying expensive items, like your make-up, brushes, lashes and other accessories and equipment, from one venue to another, you're covered should they get stolen or damaged due to an insured event. We'll pay for the cost of replacing the items that are essential to your work to ensure minimum disruption to your business.

Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4-hour response time. Extreme weather and remote locations may extend the response time.

Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.

There's no excess to pay and no limit on how often you can claim.

You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.

Home emergency isn't currently available on policies that include commercial premises.

For more information click here.

Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.

Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

You can choose Personal Accident as an add-on once you've completed your quote.