1. You the insured or any director, partner or principle are currently a resident of the Republic of Ireland.
2. You  the insured or any director, partner or principle are not aware of any claims in the last years 5 that have been made against you  the insured, your  predecessors in business or any present or former partner, director, principle or therapist.
3. You the insured or any director, partner or principle are not aware of any circumstances that may give rise to a claim against you the insured, your predecessors in business or any present or former partner, director, principle or therapist.
4. You the insured director, partner, principle or any of the therapists working on behalf of the business, under current or previous trading titles, have not been convicted of any criminal offence, other than a motoring offence or have any prosecution pending.
5. An insurer has never cancelled, declined or refused to renew or only accepted on Special Terms, your liability insurance or that of any person listed to be included on your policy.
6. You the insured will maintain client’s records and retain them for at least 5 years. If you have not done this in the past or you are just starting in business, you confirm that you will do this.
7. Distance learning or online courses will only be accepted if they are CPD courses, not a main qualification.
8. I/We will not use micro needling needles with a depth of more than 1.5mm.
9. Superficial skin peels will only treat the top layer of the skin. The peel will not have a PH value less than 2. The active ingredient of the peel will not be more than 40%. There will be no downtime for the clients.
10. Advanced skin peels will only treat the top and middle layer of the skin. The active ingredient of the peel will not be more than 40%. There will be no more than 7 days skin recovery for clients.
11. I/We will provide patch tests for all new clients.
12. I/We agree to advise the insurer of any additional training done within the insurance year.
13. I/We agree to advise the insurer of any changes to staff within the insurance year.
14. Cover for under 16’s will only be permitted for the following treatments, basic waxing (excluding intimate / specialist waxing), Spray Tanning, Manicure & Pedicures and Facials (excluding any chemical peels) for those aged between 13-16 years old.
15. I/We declare that the statements and particulars in this application are true and that no material facts have been misstated, misrepresented or suppressed after enquiry.
16. I/We agree that this application, together with any other information supplied by me/us shall form the basis of any contract of insurance effected between the insurer and me/us.
17. I/We undertake to inform the insurer of any material alteration to those facts occurring before the completion of the contract of insurance.
18. I have read and agree to the Terms of Business of BMIB. Click here to view our Terms of Business.
19. I have read and agree to the Data Protection of BMIB. Click here to view our Data Protection.
20. I have read and agree to the Insurance Product Information Document. Click here to read the Insurance Product Information Document.
21. I/We confirm that we understand and accept the Conditions stated below.
22. I/We understand and accept that cover will be provided in respect of those treatments for which I/we hold a current and appropriate qualification. Furthermore, it is also understood that in the event of a claim/loss or an incident being reported and prior to indemnity being provided, proof of such qualifications will be required. In the absence of satisfactory proof, we understand and accept that no indemnity will be provided to the salon or therapist in respect of the loss/claim or incident reported.
23. I/We consent to receiving emails from BMIB regarding my inquiry.
24. I/We consent to BMIB contacting me by phone for the purpose of arranging this type of insurance.

Your Duty of Care/Disclosure
It is your responsibility to provide complete and accurate information for insurers when arranging an insurance policy, throughout the life of that policy and when you are renewing it. It is important that you ensure that all information provided, and all statements made on proposal forms, statements of fact, claim forms, and other documents are, to the best of your knowledge and belief, complete and accurate. Specific questions will be asked. Where you do not provide additional information (after being requested to do so) it can be presumed that the information previously provided remains unchanged. Failure to disclose any material information to your insurers could invalidate your insurance cover and could mean that all or part of a claim will not be paid or your policy cancelled. An insurer may repudiate liability or limit the amount paid on foot of the contract of insurance, only if it establishes that non-disclosure of material information was an effective cause of the insurer entering into the relevant contract of insurance and on the terms on which it did. Completed proposal forms or Statements of Facts will be provided to you. These are important documents as they form the basis of insurance contract between the insurer and you the consumer. You should review and confirm that the answers contained within are true and accurate. If you have any doubts as to whether any information is material it should be disclosed.

Please fill in the form below, then click "Next". The fields marked * must be completed, other fields may be left blank.

Treatment Declarations

• I/We understand that all therapists must hold an approved qualification to carry out the treatments for which cover has been requested.
• Therapists are all fully qualified, not students.
• Distance learning or online courses will only be accepted if they are CPD courses, not my main qualification. Unless approved by one of our approved associations.
• I/We understand cover for CPD qualifications will not be accepted as stand-alone qualification.
• I/We understand that the name of the therapy therapists require cover for appears on their certificate of qualification.

For each therapist / advanced treatment, please upload a scan or photo of their certificate as evidence of an approved qualification ( alternatively you may email these to us quoting Application Number 0).

Laser / IPL / LHE Information

The fields marked * must be completed. If you prefer, instead of uploading example files, you may email them to us instead, quoting Application Number 0 .

Therapist Information

Salon Information

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