It really all depends on what you would have to replace in the event of a fire or accident in order to continue to trade.
My first year's insurance was just public & treatment liability as I was just setting out on my journey. This year's renewal however includes equipment and stock as replacing my Gelish collection alone would cost about £2.5K in the event of loss.
Have a quick tot up to see how much you would need to purchase to get you back trading in the event of fire/theft etc and then you will be in a much better position to make that decision
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