What Is Hair Salon Insurance?
- Public liability insurance
- Employers’ liability
- Treatment liability
- Fixtures and fittings
Need a hair salon insurance quote? Let the independent specialists at your local Coversure compare their markets to find you great salon insurance protection. From chair renters to salon insurance, your local Coversure office can offer you tailor-made protection, so start your quote today.
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Hair salon insurance through your local Coversure office is suitable for:
If you’d like some advice on getting the right cover for your hairdressing business, please contact your local Coversure office. They’ll be happy to give you the help you need to keep you and your salon safe.
What can Hair Salon Insurance cover?
Salon insurance offers a package of protection that allows you to cover multiple risks on a single policy*. It can be tailored to your needs and typically covers perils such as:
Replacement service for broken windows and any interior or exterior glass such as mirrors, display cases, and sinks
If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place. This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road
If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress
Do you own the building in which your business operates? If so, you’ll need commercial buildings insurance to protect your bricks and mortar. Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or explosion.
If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between. Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be
Safeguards you against any claims should a treatment cause injury or material damage to a client. Treatment risk insurance is an extension of your public liability cover and protects you and your business against claims. As a beauty professional, treatments are likely to be a routine part of your day, so having cover in place is a wise move
Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation. Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees
This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:
Provides cover should a member of the public injure themselves or if their property is damaged while you are working. It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.
There’s no one-size-fits-all answer to this question, and your local Coversure office will create a package of protection designed around your business. Your premium will depend on several factors, including:
The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Hair Salon cover for you.
Hair salon and barbers insurance can be a complex area of cover, so to help you get the protection you need, here is Coversure’s salon insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure office
Salon owners, barbers, chair renters, mobile hairdressers, and freelance hair stylists can all benefit from salon insurance
That will depend on several factors. These include where your business is and its size, your services, and treatments, if you have employees, and your claims history
Getting a quote is easy; contact your local Coversure office or start your salon insurance quote today
Yes, you would be wise to have it. Having members of the public into your home salon means you run the same risks of being sued if someone is injured, and you still have to consider things like stock and fixtures and fittings. Also, your home insurance may not cover you or even be invalidated if you run a business from home
Yes. It can cover these items against loss or theft. It can also protect expensive items such as scissors and hairdryers, as well as office equipment such as computers
Yes, you can take out business insurance before starting trading, even if your business isn’t VAT registered or a limited company
If you’d like a Hair Salon Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.
* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.