Busy Salons carry a high level of risk to you, your employees and your customers. Having a salon insurance policy in place can protect you from unwanted and costly surprises.
Get a QuoteWhether you’re a hair stylist, beauty therapist or make up artist, your business is sure to deal with a high number of customers on a daily basis. You will also have invested in equipment, stock and possibly even own your own premises with valuable fixtures and fittings.
A Salon insurance package, designed to cover your range of business activities will help protect you should the unfortunate happen.
The cover you need will depend on the services you offer, but is likely to include public liability insurance as a minimum. This product is designed to cover you in the event of a third party claim, for example an allergic reaction or a fall at your premises by a customer or supplier.
In addition to public liability, you may require employer’s liability if you employ any staff, including trainees and apprentices. This insurance is a legal requirement and helps protect you if a claim is made against you by a member of your team. You may also require cover for buildings, contents, tenant’s improvements (if applicable) and stock.
In addition to the main areas of cover described above, many salon insurance policies offer a range of additional covers such as legal expenses and business interruption insurance. In the event of an insured loss at your premises where perhaps stock and equipment are damaged or stolen, the business interruption insurance will cover you for loss of revenue, whether total or partial, for the period where your business was affected by the loss.
Busy salon owners don’t always have time to compare insurance costs and cover options. This means they often renew their policy year after year without a proper review. This sometimes results in paying uncompetitive premiums, or paying for cover which isn’t required. Trust our specialists to undertake a comprehensive review and present the most suitable quotes from our panel of insurers.
Whether you’re an insurance whiz or a complete novice, our specialist team will guide you on what we need to know to arrange cover suited to the services you offer. Once you are ready to proceed, we can set your policy up to start as soon as you need it – immediately if you like!
Salon liability insurance can be one of the most affordable insurance options out there and many businesses choose to pay up front. However, if you are looking to manage your cashflow, we have great payment options including splitting the amount 50/50 to be paid over two months or monthly direct debits.
Fill out the form below to get the quotation process underway, one of our specialist broking team will then do the rest for you by conducting a comprehensive market review in order to obtain the best prices and cover for you.