Hi Marie. I have been talking to one insurance company in particular about this today and they just seem to me to not understand our industry at all. Ultimately, if the hair colour you plan to use on a client recommends a patch test, you can recommend they use Colourstart to test for allergy to PPD. As Debbie has said, the great advantage of using Colourstart is that you automatically get direct cover from their Vendors Extension insurance. So really, I would use this as my insurance against any potential claims – which is highly unlikely if you have used Colorstart in the first place!