beauty stuff

Beautician's Salon Insurance

If you’re in the position where you own your own beauty salon/ parlour or hairdressers then you now need to consider the protection or protections your likely to need as being a hairdresser or beauty therapist is not just about having the creative flair and talent to make people look good, it also involves managing chemical treatments, maintaining good hygiene as well as managing people’s expectations.

Hear at UK & Ireland Insurance (Online) Limited we understand that the risks and have listed a few below that you will need to consider for your business.

In order to protect yourself and your business, you’re likely to need:

  • Professional indemnity insurance
    Basically if people rely on your professional service or advice and they then believe that the service provided or advice given is incorrect /mistake then they could sue you.Professional indemnity will protect you against the cost of defending you / your business against allegations of professional negligence for example a client could feel that their appearance has been damaged as a result of the advice/ treatment provided. This cover would also include any damages/compensation that may need to be paid if your defense is unsuccessful.
  • Public liability insurance
    Public liability protects you against injury or damage to third parties while they are on your property. For example if a customer slips and falls resulting in an injury to themselves, whilst they are in your premises you could face a compensation claim. Public liability insurance would cover your defense fees and compensation.
  • Employers’ liability insurance
    Basically if you have employees (including assistants, volunteers or apprentices), the law requires you take out employers’ liability cover. The cover protects you if any employee gets injured or becomes ill while working for you.
  • Cover for equipment and stock
    Covers all the contents and stock in your salon including staff property, this may include any machinery you have plus the stock that you hold in order to run your business this could be anything from the beauty couches, styling chairs, hairdryers, hood dryers to nail extensions and skin care products .

So whether you need just need public liability insurance or a combination of covers packaged together we can tailor a product to match your business needs. Covers include:

  • ✔ Public Liability
  • ✔ Employers’ liability
  • ✔ Contents
  • ✔ Buildings
  • ✔ Business interruption

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