Health and Safety: Insurance

Question 1

Within the hair and beauty industry there are three types of insurance that an employer must have. List these:

Answer 1

■ public liability insurance
■ employer’s liability insurance
■ product and professional treatment liability

Question 2

What is the purpose of insurance?

Answer 2

Insurance provides protection both for the employer and the employee. It provides protection for the employer if a claim is made against them
and they need to pay out compensation. It also provides protection for employees and visitors while they are on the premises.

Question 3

Describe PUBLIC LIABILITY INSURANCE

Answer 3

It covers claims made by members of the public or other businesses. For example, if a client injures themselves on the premises or is injured by a
member of staff during a treatment, they can make a claim against the salon’s public liability insurance.

Question 4

Describe EMPLOYER’S LIABILITY INSURANCE

Answer 4

Employer’s liability insurance is a legal requirement for all businesses. It protects the employer against claims by employees for illnesses and injuries related to their work at the salon.

Question 5

Describe PRODUCT AND PROFESSIONAL TREATMENT LIABILITY INSURANCE

Answer 5

Product and professional treatment liability insurance protects the employer and employee against claims from clients for injury or damage caused by treatments or products. It covers treatments and products
that you provide to your clients.

Question 6

Which insurance covers claims made by members of the public or other businesses?

Answer 6

PUBLIC LIABILITY INSURANCE

Question 7

Which insurance protects the employer against claims by employees for illnesses and injuries related to their work at the salon?

Answer 7

EMPLOYER’S LIABILITY INSURANCE

Question 8

Which insurance protects the employer and employee against claims from clients for injury or damage caused by treatments or products?

Answer 8

PRODUCT AND PROFESSIONAL TREATMENT LIABILITY INSURANCE

Question 9

True or False:

Every year a business pays an amount to an
insurance company who will pay out
compensation if a claim is made against the
business

Answer 9

True

Question 10

True or False:

Public liability insurance is not compulsory but is highly recommended when dealing with the public, especially in a salon environment.

Answer 10

True

Question 11

True or False:

It is a legal requirement to have all 3 insurance in place in a salon.

■ public liability insurance
■ employer’s liability insurance
■ product and professional treatment liability

Answer 11

False