This takes about a minute. Answer honestly about how you currently work — you can always retake it if your business changes. At the end we'll show your recommended covers and, if you want, email you a copy of the results.
The interactive quiz above only shows the covers relevant to your answers. For reference, here's the full list it draws from:
Covers a client or visitor injured, or their property damaged, as a result of your business — the baseline cover almost every therapist needs, and often required by landlords, salons, and booking platforms.
Covers claims arising from a treatment itself going wrong, such as an allergic reaction or a burn — separate from public liability. Make sure every treatment you offer is listed on the policy.
A legal requirement in the UK the moment you employ anyone, even part-time or casual staff. Uninsured trading with staff can carry a fine of up to £2,500 per day.
Worth adding if your work involves advice or judgement — skin consultations or advanced/semi-medical treatments — covering claims that your professional advice, not just the physical treatment, caused a loss.
Covers claims that a product you sold or used, rather than the treatment itself, caused harm — relevant if you sell retail or own-branded products.
Covers kit that travels with you between appointments, which is more exposed to theft, loss, and transit damage than equipment kept at a fixed premises.
Covers your fixed premises, fixtures, and equipment, plus lost income if you can't trade after an insured event like a fire or flood.
Worth adding if you store client details or health/treatment notes digitally, or take online bookings and payments — covers the cost and regulatory fallout of a data breach.
Provider links shown in quiz results are placeholder examples (e.g. Simply Business, Superscript) while Denney's partner integrations are being finalised.