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Student Insurance

Includes all membership benefits listed along with our comprehensive insurance package which is offered through Zurich Insurance Plc outlined within the policy wording and explanatory booklet.

£25.00

£25.00

Includes all membership benefits listed along with our comprehensive insurance package which is offered through Zurich Insurance Plc outlined within the policy wording and explanatory booklet.

Student Insurance

Includes all membership benefits listed along with our comprehensive insurance package which is offered through Zurich Insurance Plc outlined within the policy wording and explanatory booklet. Cover is for all the standard beauty treatments and is subject to the student limitation as found below and within the application form.

Important Student Cover Limitations

*Student Cover: for students' case study work, or for other work prior to qualification being obtained, relies on the following for cover to operate:

  1. You must be deemed competent to practice by your school and must not practice outside the scope of what you have been taught. Regular supervision and/or ongoing case consultation/review for such case studies must be in place.
  2. Students are to declare to clients/patients in advance that they are not fully qualified.
  3. You may charge a fee provided this is a modest amount and evidently lower than an experienced and qualified therapist would normally charge.

Acupressure
Alexander Technique
Alkaline Skin Wash
Aromatherapy and Blending Essential Oils for Retail
Ayurvedic Facials and Body Massage
Baby Massage Instruction
Barbering, Shaving and Face Massage
Bleaching
Blend Epilation
Body Electrotherapy
Body Massage
Body Warming
Body Wraps
Bowen Technique
Bust Treatments
CACI Futuretec Cleansing
Cleansing
Colour Therapy
Cranial-Sacral Therapy
Crystal Therapy
Depilatory Creams
Ear Piercing - Lobe Only
Electrical Epilation - Diathermy, Galvanic and Blend
Electrical Epilation Probe / Tweezer
Electrical Slimming Toning Treatments
Electrical Treatment for Skin Improvement
Enlighten
Epil Pro
Esterified Aromatherapy and Blending
Essential Oils for Retail Ayurvedic Facials and Body Massage
Exercise
Exfoliation Techniques Facial
Eye Treatments - Shaping, Tinting, Perming, Eyelash Perming
Face and Body Painting
Face Masks
Facial Electrotherapy
Facial Massage
Facial Scrub
False Eyelashes
Faradic Muscle Toning
Flower Remedies
Foot Printing
Free Sound Wave
Fruit Acids
Galvanic Facial
Galvanic Cellulite Treatment
Group Exercise
Hair Shampooing, Cutting, Styling,Drying, Colouring, Permanent Waving and Hair Extensions only
Hopi Ear Candles
Hydrotherapy
Indian Head Massage
Individual Exercise
Infra Red
Kinesiology

Lymphatic Drainage - Face and Body
Make-up
Manicure
Manual Exfoliation
Manual Lymphatic Drainage
Manual Treatments for Cellulite
Manual Treatments for Skin Improvement
Manual Treatments for Stretch Marks
Massage
Mechanical Massage
Mendhi/Henna/Body Art
Metamorphic Technique
Microcurrent (body)
Microcurrent (face)
Microdermabrasion
Micro Epidermal Skin Abrasion
Nail Art
Nail Extensions
Nora Bode Oxyjet
Nutrition and Diet Advice given in connection with a Treatment
Oxygen Facials - excluding direct inhalation
Paraffin Wax Treatments
Pedicure
Reflexology
Reiki
Remedial Camouflage
Sauna
Self-Tanning Treatments
Shiatsu
Skin Peeling – basic Alpha Hydroxy Acids less than 10% Buffered.
Sound Wave Slimming and Toning
Spa Treatments
Sports Massage
Spray on Tanning
Stone Therapy
Steaming
Steam Cabinets Room
Stress Massage and Management
Sugaring - Strip and Paste
Swedish Body Massage
Student Case Studies under supervision and as described in the policy - Students to be named and a certificate will be issued
Tai Chi
Thai Massage (Acupressure)
Threading
Tuina
Toning Tables
Tooth Decoration
Tweezer Epilation
Watsu
Waxing - Hot and Warm
Wet Shave

*For all optional extensions taken you must have passed and completed an ABT accredited course and hold suitable prerequisites

Ear Piercing - Cartilaginous or Navel / Nose

£41.36

The Advanced Piercing extension is designed for experienced piercers who have completed the Basic Course and wish to pierce the cartilaginous portion of the ear, nose or navel. An accredited advanced piercing course must have been completed to qualify for this extension.

Advanced Electrolysis

£66.45

The Advanced Electrolysis (AE) extension is designed for therapists that are already fully trained and experienced in basic electrolysis and have obtained the relevant A&P modules. Cover for the AE extension is for removal of skin tags, milia and thread veins. Other uses are available for insurance under this category, however GP referral may be required. An accredited AE course must have been completed to qualify for this extension.

Micropigmentation

£219.52

Including basic and advanced procedures for eyebrow, eyeline, camouflage scar tissue, lip line and blend. An accredited Micropigmentation Course must have been completed to qualify for this extension and meet local authority and ABT criteria.

Laser Hair Removal

£689.92

Skin Type (Fitzpatrick scale) 1 - 4. Practitioner must hold Level 3 Beauty Therapy general qualification (or equivalent) and have an accredited laser manufacturer’s training certificate. Although uses of machines vary, this extension covers the removal of hair via laser or IPL only. Machines must be used in line with manufacturer training, servicing intervals and comply with BS or EU standard.

Laser Skin Rejuvenation

£689.92

Skin Type (Fitzpatrick scale) 1 - 4. Practitioner must hold Level 3 Beauty Therapy general qualification (or equivalent) and have an accredited laser manufacturer’s training certificate. Although uses of machines vary, this extension covers Skin Rejuvenation via laser or IPL only. Machines must be used in line with manufacturer training, servicing intervals and comply with BS or EU standard.

Sunbeds

£41.36

This extension is for 4 beds maximum in any one premises and a fully trained therapist must be onsite. Unfortunately, this extension excludes specific tanning shops/venues. A fully qualified therapist must be at location to qualify for this extension.

Teaching as an Individual

£28.82

This option is for an individual who is delivering a qualification and not exceeding 40 students a year or £25,000 turnover. For this extension, it makes no difference if the course delivery is classed as short (i.e. one day) or long.

Skin Needling or Derma-Rollering

£172.48

Needle sizes must not be longer than 1mm roller or 1.5mm stamp for facial treatments and 1.5mm for body treatments. Practitioner must hold Level 3 Beauty Therapy general qualification (or equivalent) and an accredited Skin Needling course must have been completed to qualify for this extension.

Microblading

£250.88

Including basic, plus advanced procedures for eyebrow, eyeline, camouflage scar tissue, lipline and blend. Semi-Permanent makeup applied for this extension uses a specially designed blade and must meet EU or British Standard whilst complying with local authority Hygiene regulations. An accredited Microblading Course must have been completed to qualify for this extension and member must meet local authority and ABT criteria

Corporate Teaching - up to 3 tutors

£158.68

This policy is hereby extended to indemnify the policyholder for the delivery of accredited courses. This will include a maximum of 3 teachers and 250 students per year. This extension indemnifies the insured member for allegations of negligence against them arising from the delivery of the courses and from student activity but does not extend to cover the individual student themselves if personally sued. If the treatments are being performed in and out of the school by trainers, cover is applied. ABT membership and extensions will be required. This cover is for where someone is a corporate entity and delivering a qualification, or where the person exceeds the individual option. For this extension it makes no difference if the course delivery is classed as short or long.

Meso Therapy inc. Meso Vytal

£172.48

The therapist must have at least Level 2 skincare module plus level 3 in general beauty and completed relevant ABT accredited training in Mesotherapy. Needle length depths can vary between 1-4mm and is only permitted within trained guidelines to a maximum of 4mm. Local Authority permission and approval must have been granted if applicable to therapist / salons geographical location.

Cryopen

£161.81

An accredited Cryopen course must have been completed to qualify for this extension and the applicant must hold a minimum of a Level 2 Beauty general qualification / A&P.

HIFU - High Intensity
Focused Ultrasound

£95.52

Practitioner must hold Level 2 Beauty Therapy general qualification (or equivalent), and have an accredited manufacturer’s training certificate. Examples of this technology include the AES Geneo platform. Machines must be used in line with manufacturer’s training, servicing intervals and comply with BS or EU standard.

Lipo Firm Pro

£95.52

Lipofirm Pro technology uniquely combines two technologies - TriLipo Radiofrequency (RF) and TriLipo Dynamic Muscle Activation (DMA). Use is exclusively for the delivery of non-invasive fat removal and lymphatic drainage, as well as skin tightening. Please note: This is not the LipofirmPlus machine as ABT are unable to cover for cavitation. Practitioner must hold Level 3 Beauty Therapy general qualification (or equivalent) and have an accredited manufacturer’s training certificate. With this technology, it is a requirement that service intervals are maintained.

Dermaplaning

£250.95

For the use as an exfoliative technique for skin surfacing and to remove fine hairs. Practitioner must hold Level 3 Beauty Therapy general qualification (or equivalent) and must hold an ABT accredited manufacturer’s training certificate and meet local authority criteria.

LED Light Treatments

£95.52

Practitioner must hold Level 2 Beauty Therapy general qualification (or equivalent) and have an accredited manufacturer’s training certificate. Examples of this technology include the CACI LED facial platform. Machines must be used in line with manufacturer’s training, servicing intervals and comply with BS or EU standard.

AES Divine

£330.40

Divine technology from AES for skin rejuvenation and Mesotherapy uses. Practitioner must hold Level 3 Beauty Therapy general qualification (or equivalent) and have an accredited manufacturer’s training certificate. With this technology, it is a requirement that service intervals are maintained.

Corporate Teaching – up to 6 tutors

£166.32

This policy is hereby extended to indemnify the policyholder for the delivery of accredited courses. This will include a maximum of 6 teachers and 450 students per year. This extension indemnifies the insured member for allegations of negligence against them arising from the delivery of the courses and from student activity but does not extend to cover the individual student themselves if personally sued. If the treatments are being performed in and out of the school by trainers, cover is applied. ABT membership and extensions will be required. This cover is for where someone is a corporate entity and delivering a qualification, or where the person exceeds the individual option. For this extension it makes no difference if the course delivery is classed as short or long. In cases where there are more than 6 tutors or exceeds 450 students, then a specific quotation from Balens Ltd (Schools Policy) is required.

Advanced Skin Peeling

£28.82

The Advanced Skin Peeling (ASP) extension is available for Beauty Therapists with the relevant basic experience and pre-requisites. This extension covers for 10-50% AHA glycolic peels or equivalent (example: Glycolic acid is an alpha hydroxy acid). An accredited ASP course must have been completed to qualify for this extension. Treatments must only be carried out by a trained practitioner holding a qualifying certificate who is either a Beauty Therapist with a minimum of a Level 3 Beauty Therapy qualification, a nurse or a doctor.

 

To become an insured member with Associated Beauty Therapists we require you to hold a recognised qualification in the relevant fields you are practicing. Short Course providers can be found here abtinsurance.co.uk/Accreditation/FindAccreditedCompany and National courses can be found at www.gov.uk/find-a-regulated-qualification

For some of our slightly more advanced insurable options, the member must have a prerequisite to gain insurance. A prerequisite basically refers to the member having the core skills necessary, needed, or required (in some cases experience) to perform the more advanced treatment.

Please see a list of our entry requirements and endorsements.

Advanced Electrolysis

Advanced Electrolysis extension

This policy is hereby extended to indemnify the policyholder for the provision of Advanced Electrolysis by way of ABT/Balens approved devices.

Exclusions applicable

The insured shall not undertake treatment of clients:

  • Who wish to have hairs removed from moles without a doctor’s consent
  • Who wish to have moles removed without a doctor’s consent
  • Who are under the age of 16 unless a signed consent is received from a guardian

Subject to the operator holding the necessary certificate of competence and only using the equipment that is designed for this purpose and which is regularly serviced and maintained.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • Nationally Recognised Level 2 or 3 Beauty Course (inc. Electrical or Epilation Unit)

or

  • Approved Basic Electrolysis Course

or

  • Relevant Industry Experience - determined on case by case basis by ABT

and

  • ABT Accredited - Advanced Electrolysis Course

Advanced Skin Peeling

ABT advanced skin peeling extension

Exclusions applicable

The insured shall not undertake treatment of clients:

  • Who have not received a thorough consultation and been provided with the appropriate before and aftercare advice in written format
  • Who have not had a patch test
  • Who are taking photo sensitive medications including Roaccutane and antibiotics.
  • Who have medical conditions that cause thinning of the skin or loss of sensitivity.
  • Who have open cuts and wounds, allergies to Aspirin or use of Retinoic Acid or Retin A products
  • Who are pregnant
  • Who are under the age of 16

Treatments must only be carried out by a trained therapist who holds a qualifying certificate.

A patch test must be performed on the client at least 24 hours before the first treatment and renewed every six months

Subject to all other terms and conditions of the policy

ABT Prerequisites

  • Nationally Recognised Level 3 Beauty Course

or

  • Relevant Industry Experience - determined on case by case basis by ABT

and

  • ABT Accredited - Advanced Skin Peel Course

Dermaplaning

Dermaplaning extension

ABT Prerequisites

  • Nationally Recognised Level 3 Beauty Course

or

  • VTCT level 4 in micropigmentation

or

  • Nationally recognised level 2 or 3 in A&P alongside an ABT accredited Microblading qualification

or

  • Nationally recognised beauty therapy level 2 alongside an ABT accredited Microblading qualification

or

  • Relevant Industry Experience - determined on case by case basis by ABT

or

  • Medical Degree or similar

and

  • ABT Accredited - Dermaplaning Course

Cryopen

Cryopen extension

It is a condition precedent to liability that in respect of the use of the Cryopen that the Insured shall:

  • Hold a Level 2 Beauty qualification in general beauty therapy or be a qualified Doctor, Nurse and/or foot healthcare professional..
  • Have undertaken full manufacturer’s training and hold a manufacturer’s certificate of competence
  • Use equipment that is regularly serviced and maintained only and ensure that the equipment is only used for the purpose for which it is intended.
  • Provide pre-treatment and after care advice as per training and qualification
  • Ensure medical consent is obtained and recorded prior to any treatment being undertaken in respect of moles.
  • Not provide any treatment to persons who are pregnant, breastfeeding, have a diagnosed auto immune disease or are aged under 16.
  • Cover is only provided for the following treatments: skin tags, age spots, milia, warts, blood spots, freckles, verrucae and moles.
  • Excluding all cover relating to change in the pigmentation of the skin or involving treatments in or around the immediate eye area

ABT Prerequisites

  • Nationally Recognised Level 2 Beauty Course

and

  • ABT Accredited - Cryopen Course

Laser Hair or Skin Treatments

ABT Laser and Light Therapies including IPL up to skin type VI extension

This policy is hereby extended to indemnify the policyholder for the provision of Laser and Light therapies including IPL by way of ABT/BALENS approved devices.

The insured must hold a Level 2 & Level 3 Beauty therapy qualification and a Level 3 Electrical qualification or the equivalent, or be a qualified Doctor or Nurse. Cover is subject to the operator holding the necessary certificate of competence to use the device and only using the equipment that is designed for this purpose and which is regularly serviced and maintained.

Exclusions applicable

The insured shall not undertake treatment of clients:

  • With light induced epilepsy, light sensitivity, porphyria, skin tumors, skin cancer or hypo pigmentation
  • Who are pregnant
  • Taking photo-sensitive medication
  • Who are under the age of 18

Skin Cancer alleged to have been caused by this therapy.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • Nationally Recognised Level 3 Beauty Course

or

  • Medical Degree or Similar

and

  • ABT Accredited - Manufacturer / Distributor Course

Lipo Firm Pro

LipoFirm Pro extension

ABT Prerequisites

  • Nationally Recognised Level 3 Beauty Course

or

  • Medical Degree or Similar

or

  • Relevant Industry Experience - determined on case by case basis by AES

and

  • ABT Accredited - Manufacturer / Distributor Course

Mesotherapy

ABT Skin Needling/Derma-Rollering/Micro Needling increased needle length extension

This policy is hereby extended to include Skin Needling using ABT approved products subject to the following conditions:

  • A new unit is used for each new client and is allocated to that client only by a numbering system. Such units are to have been irradiated before delivery to the salon by the supplier or maker.
  • After each use such items are to be sanitized according to the maker’s specifications and instructions
  • Client to be given adequate pre and post treatment information as to potential side effects and aftercare instructions
  • Maker’s consultation and consent forms signed by the client and maker’s own leaflets to be used and be kept for a minimum period of 7 years
  • Maximum needle length must not exceed 1mm roller or 1.5mm stamp for facial treatments and 3mm for body treatments.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • Nationally Recognised Level 3 Beauty Course

or

  • Medical Degree or Similar

and

  • ABT Accredited - Mesotheropy Course

Microblading [inc. Scalp]

ABT Micropigmentation/Microblading and Semi-permanent Make Up Extension

The policy is hereby extended to indemnify the policy holder for the provision of Micropigmentation/Semi-permanent Make Up by way of ABT/Balens approved products or devices.

It is hereby noted and agreed that these treatments are included subject to the following conditions:

  • Manufacturer’s pre and post treatment procedures being adhered to.
  • Cover excludes clients with contraindications stipulated by the manufacturers.
  • Cover excludes any claims relating to a change in the pigmentation of the skin as a result of the treatment.
  • Pre and post treatment advice in accordance with manufacturer’s information is provided to the client and is suitably recorded.
  • The operator only using the equipment that is designed for this purpose and which is regularly serviced and maintained.
  • The policy will cover you to practice the techniques of your qualification: eyebrows, eyeliner, lip liner, lips, blusher etc.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • ABT Accredited Microblading Course

or

  • Relevant Industry Experience - determined on case by case basis by ABT

or

  • VTCT Microblading Course

Micropigmentation [inc. scalp]

ABT Micropigmentation/Microblading and Semi-permanent Make Up Extension

The policy is hereby extended to indemnify the policy holder for the provision of Micropigmentation/Semi-permanent Make Up by way of ABT/Balens approved products or devices.

It is hereby noted and agreed that these treatments are included subject to the following conditions:

  • Manufacturer’s pre and post treatment procedures being adhered to.
  • Cover excludes clients with contraindications stipulated by the manufacturers.
  • Cover excludes any claims relating to a change in the pigmentation of the skin as a result of the treatment.
  • Pre and post treatment advice in accordance with manufacturer’s information is provided to the client and is suitably recorded.
  • The operator only using the equipment that is designed for this purpose and which is regularly serviced and maintained.
  • The policy will cover you to practice the techniques of your qualification: eyebrows, eyeliner, lip liner, lips, blusher etc.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • ABT Accredited Micropigmentation Course

or

  • Relevant Industry Experience - determined on case by case basis by ABT

or

  • VTCT Micropigmentation Course

Piercing [Advanced] extension

Piercing [Advanced]

ABT Prerequisites

  • Level 2 Beauty (Allows Lobe Piercing Only)

or

  • Relevant Industry Experience - determined on case by case basis by ABT

or

  • Short Course in Ear Piercing

and/or

  • ABT Accredited Advanced Piercing Course

Skin Needling or Derma-Rollering

ABT Skin Needling/Derma-Rollering/Micro Needling extension

This policy is hereby extended to include Skin Needling/Dema-Rollering/Micro Needling using ABT/Balens approved products subject to the following conditions:

  • A new unit is used for each new client and is allocated to that client only by a numbering system. Such units are to have been irradiated before delivery to the salon by the supplier or maker.
  • After each use such items are to be sanitized according to the makers specifications and instructions
  • Client to be given adequate pre and post treatment information as to potential side effects and aftercare instructions
  • Maker’s consultation and consent forms signed by the client and makers own leaflets to be used and be kept for a minimum period of 7 years
  • Needle lengths must not exceed 1.5mm stamp or roller for facial treatments and 1.5mm for body treatments.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • Nationally Recognised Level 3 Beauty Course

or

  • Medical Degree or Similar

and

  • ABT Accredited Skin Needling Course

HIFU - High Intensity Focused Ultrasound

ABT Ultra Sound, Ultrasonic Lipo-cavitation and Radio Frequency

This policy is hereby extended to indemnify the policyholder for the provision of Ultra-Sound, Ultrasonic Lipo-cavitation and Radio Frequency therapy by way of ABT/BALENS approved devices.

It is hereby noted and agreed that these treatments are included under the range of treatments offered subject to:

  • Manufacturer’s pre and post treatment procedures are adhered to
  • Cover excludes any clients with the contra indications stipulated by the manufacturer
  • Pre and post treatment advice in accordance with manufacturer’s information is given to the client and recorded suitably that it has been given
  • The operator holding the necessary certificate of competence and only using the equipment that is designed for this purpose and which is regularly serviced and maintained.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • Nationally Recognised Level 2 Beauty Course

or

  • Relevant Industry Experience - determined on case by case basis by ABT

or

  • Accredited Equivalent Level 2

and

  • ABT Accredited HIFU Course

Teaching as an Individual

ABT individual member teaching extension for delivering qualifications

This option is for an individual who is actually delivering a qualification and not to exceed 40 students a year or £25,000 turnover.

Subject to all other terms and conditions of the policy.

ABT Prerequisites

  • PTTLS

or

  • AET

or

  • Accredited Teaching Certificate

or

  • Ofqual Regulated Course

or

  • Letter from an Approved College

or

  • Relevant Industry Experience - determined on case by case basis by ABT

Teaching - Corporate up to 3 tutors

ABT Corporate Teaching extension

This policy is hereby extended to indemnify the policyholder for the delivery and certification of accredited courses. This will include a maximum of 3 teachers and 250 students per year.

This extension indemnifies the insured member for allegations of negligence against them arising from the delivery of the courses and from student activity but does not extend to cover the individual student themselves if personally sued.

Subject to all other Terms and Conditions of the policy.

ABT Prerequisites

  • PTTLS

or

  • AET

or

  • Accredited Teaching Certificate

or

  • Ofqual Regulated Course

or

  • Letter from an Approved College

or

  • Relevant Industry Experience - determined on case by case basis by ABT

Teaching - Corporate up to 6 tutors

ABT Corporate Teaching extension

This policy is hereby extended to indemnify the policyholder for the delivery and certification of accredited courses. This will include a maximum of 6 teachers and 450 students per year.

This extension indemnifies the insured member for allegations of negligence against them arising from the delivery of the courses and from student activity but does not extend to cover the individual student themselves if personally sued.

Subject to all other Terms and Conditions of the policy.

ABT Prerequisites

  • PTTLS

or

  • AET

or

  • Accredited Teaching Certificate

or

  • Ofqual Regulated Course

or

  • Letter from an Approved College

or

  • Relevant Industry Experience - determined on case by case basis by ABT

LED Light Treatments

LED Light Treatments

ABT Prerequisites

  • Nationally Recognised Level 2 Beauty Course

or

  • Accredited Facials Course

or

  • Accredited Equivalent Level 2

and

  • ABT Accredited or Manufacturer Approved LED course

To become a member of ABT you will need to have completed and passed a Beauty Therapy / Nail or Holistic Qualification to a Level 2 standard or equivalent.

National / International Qualifications include:

We accept all major training providers and awarding bodies as well as over 1000 ABT accredited training courses.

We also have an accredited companies section with hundreds of private, individual and post graduate training providers on our website that allows you to search for specific training providers that have been accredited by ABT. If you are in doubt, just give us a call and we will be more than happy to advise you.

Associated Beauty Therapists can provide contents cover for your stock and equipment up to the value of £50,000; if you would like to add this to your policy then please contact the office on 01789 773573.

Insurance Benefits

We aim to provide you with an affordable insurance solution which includes cover to work from home, salon or any other safe location in the UK or temporarily abroad (other than USA or Canada).

  • Up to £6 million Professional Treatment Risks Insurance should anything happen while you are performing a treatment or acting otherwise in your professional capacity
  • £6 million Public Liability should any accidents occur
  • £6 million Product Liability should there be any injury or loss arising from the products you supplied whether to your clients or up to certain limits on a retail basis also

In addition, we give you unlimited defence costs per claim with an unlimited number of claims in a year.

 

Student Member Benefits
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  • DAS Legal Advice
  • Free Web Listings
  • Membership Helpline
  • CPD Courses
  • International Representation
  • Exclusive Member Discounts
  • Exclusive VIP Trade show entry
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  • Marketing & Networking Solutions
  • Personalized Membership Portal
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