Chatbot Questions
General Eligibility & Qualifications
1. 2. 3. 4. 5. 6. 7. 8. 9. Can I get insurance as a student?
Yes, student cover for case work is available.
Do I need qualifications to get cover?
Yes, appropriate qualifications are required for treatments.
Can I get cover for make-up services only?
Yes, make-up artistry can be insured as a standalone service.
Can I insure my nail technician work?
Yes, if you hold ITEC/CIBTAC/QQI/VTCT qualifications.
Do I need medical qualifications for Botox/Dermal Fillers?
Yes, only medically qualified professionals are covered.
Can I get insurance if my qualification is from abroad?
Yes, translated certificates may be required for assessment.
Are self-taught therapists eligible for cover?
No, self-taught therapists cannot purchase online cover.
Do apprenticeships count for insurance?
No, only recognised qualifications like ITEC/VTCT/City & Guilds.
Can I get insurance without ITEC/VTCT/City & Guilds?
Not online; call the office for alternative options.
10. Can I insure freelance hairdressing work?
Yes, if you hold QQI/FETEC/VTCT/City & Guilds qualifications.
Salon & Contents
11. Can I insure my salon contents and stock?
Yes, cover is available for stock and contents.
12. Can I cover improvements to a rented salon?
Yes, tenant improvements can be insured.
13. Is my kit included in the policy?
No, kit cover must be arranged separately.14. Is my stock covered under this policy?
No, separate cover is needed for stock.
15. Do you cover salon money and equipment?
Yes, under combined or additional policies.
16. Can I insure multiple locations?
Yes, mobile policies cover work at different locations.
17. Do you offer combined treatment and salon cover?
Yes, combined policies are available.
18. Can I add a new employee to my policy?
Yes, email the office to update your policy.
19. Are trainees covered under the policy?
No, trainees or unqualified therapists are not covered.
20. Can I insure mobile/home salon work?
Yes, worldwide cover is available (excluding USA & Canada).
Treatments & Services
21. Can I provide treatments to clients under 16?
Yes, certain treatments for ages 13+ with parental consent.
22. Are Paraffin Wax manicures and pedicures covered?
Yes, if you hold the relevant qualification.
23. Do you cover laser treatments?
Yes, subject to BMIB eligibility terms.
24. Can I insure tattoo and piercing work?
Yes, additional artists can be added for a premium.
25. Are holistic therapies covered?
Yes, a wide range of holistic treatments are insured.
26. Are beauty treatments covered worldwide?
Yes, worldwide cover is included (excluding USA & Canada).
27. Can I provide sports massage with insurance?
Yes, sports massage and related therapies are covered.
28. Can I get insurance for counselling or therapy?
Yes, therapies like counselling, CBT, and coaching are included.29. Do you cover fitness instructors?
Yes, fitness instructors are eligible for cover.
30. Is teaching included in the policy?
Only if specified on your certificate or via separate cover.
Policy & Claims
31. How do I apply for insurance?
Apply online and receive documents electronically.
32. Can I cancel my insurance anytime?
Yes, but refunds depend on the 30-day cooling-off period.
33. What are the cancellation terms?
Cancel within 30 days for a pro-rata refund; after that, no refund.
34. Can I update my policy after additional training?
Yes, email the office to update your policy.
35. How do I request an indemnity letter?
Email your request with the name and address of the indemnified body.
36. What should I do if I have a possible claim?
Inform BMIB immediately and provide client records and training certificates.
37. How long do I keep client records?
Keep consultation forms, patch tests, and notes for 5 years.
38. How do I renew my policy?
Follow the email instructions sent 30 days before renewal.
39. Can I renew by phone?
No, all renewals must be completed online.
40. How much does the insurance cost?
€250, including government levy and brokerage fee.
Coverage Details
41. Does the policy include public liability?
Yes, it covers slip, trip, and fall incidents.
42. Does the policy include product liability?
Yes, for misuse or mis-sale of products.43. How much cover does the policy provide?
Up to €1,000,000 for malpractice, public liability, and product liability.
44. Does the policy cover mistakes and accidents?
Yes, professional indemnity covers mistakes and accidents.
45. Does it cover personal injury?
Yes, personal injury is included in the treatment risk policy.
46. Does it cover cyber risks or data protection?
Yes, optional coverage is available for data protection.
47. Is coverage worldwide?
Yes, excluding Canada and the USA.
48. Are cosmetic procedures like Botox included?
Yes, for medically qualified practitioners.
49. Can I insure a training school?
Yes, training schools and freelance trainers are covered.
50. Does the policy protect my business assets?
Yes, assets like stock, contents, and money can be insured.