personal liability for home makeover

annemarigold

I have a young friend who'd like to raise money for a trip abroad. Her hobbies are photography, makeup and hairstyling. She'd like to offer friends and family makeovers and photographs for which they'd give her money towards her trip. She's worried she could get sued if she e.g. singed hair (!!) etc. Does she need public liability insurance or should she just have a written disclaimer in which case where could I find typical wording?

Thanks in advance

:eek:

InsideInsurance

A disclaimer would be expected even if she had insurance but even with a disclaimer in place you cannot absolve yourself of all liability. Plus even if the disclaimer does "work" you may still incur defence costs against spurious claims.

Ultimately it is your friends decision on a cost/benefit case but liability insurance is always a sensible precaution

rs65

I don't think you can exclude liability for injury or death. Damaged hair may be classed as injury.

She can probably get a hairdressers/beauticians liability policy but they may need some form of qualification.

annemarigold

Thanks for the replies. I'm having trouble looking for liability insurance for this amateur stuff - they ask what business etc. Anyone any idea where this could be bought and likely cost?

noh

My partner used to be a nail technician on a part time basis she had liability insurance from here:-
http://www.professionalbeauty.co.uk/page.cfm/Link=120
but it may be only available to those with qualifications.

jonesMUFCforever

annemarigold wrote: »

Thanks for the replies. I'm having trouble looking for liability insurance for this amateur stuff - they ask what business etc. Anyone any idea where this could be bought and likely cost?

If she is taking money for the service then surely she is not an amateur?

annemarigold

jonesMUFCforever wrote: »

If she is taking money for the service then surely she is not an amateur?

Well she is a teenager at college and wants to augment her pocket money so yes I would say she is an amateur. She has no qualifications in the field these are her hobbies and she'd like to offer makeovers in return for some extra pocket money.

dacouch

annemarigold wrote: »

Well she is a teenager at college and wants to augment her pocket money so yes I would say she is an amateur. She has no qualifications in the field these are her hobbies and she'd like to offer makeovers in return for some extra pocket money.

An amateur does it for no payment, a business does it for payment she is therefore not an amateur.

annemarigold

So if a child does chores around the house in return for pocket money does that make them a professional cleaner and so running a business? Or in the days of "bob-a-job" were those lads professional gardeners or whatever?

This young lady is 17 and thought she had a good idea to raise some pocket money from something others have enjoyed her doing for free.

I've been asked to write some disclaimer wording for her but I'm getting really scared if she now running a business. Seems a bit mad to me. I can't imagine anyone suing in these circumstances but maybe there are people who would. I suppose a parent wouldn't sue a child who ruined something in the house whilst doing pocket money chores!

Is there anyone here whose child has made some pocket money doing things for others e.g. gardening, cleaning, shopping? If so how have they managed the liability issue?

dacouch

Doing chores around the house for their parents is not the same as offering a service to the general public and accepting money.

If you're confident her friends and family won't sue her then don't bother with Insurance.

Claims from beauty treatments are not that unusual as the chemicals in the products can cause reactions.

Will she be carrying out the treatments in your house?

notanewuser

She'll also have to register as self employed and declare her earnings for tax purposes.