Salon insurance is available for most types of beauty related trades, primarily hairdressers, barbers and beauty establishments.
Your policy will include different covers, including public liability insurance. There is an important distinction with this cover, it either includes “treatment insurance” or it doesn’t.
But what does this actually mean? Public liability is your responsibility, at law, as the business owner, for injury, illness, disease or damage to third party persons or property.
But, treatment cover is usually excluded. Therefore, if you apply the wrong strength of hair dye or the cream you use on someones skin burns them, then you will, in this day and age, more than likely receive a complaint or a claim.
You would be amazed at how much pain people can suddenly be in once they have spoken to a solicitor. A slight itching on their scalp can turn into three weeks off work and lots of pain and suffering. Why? Because there is always the potential that they will get some money from you.
This is where you need to ensure, without fail, that your salon or hairdressers insurance policy includes wider treatment cover. If you have a policy, dig it out and speak to your broker or adviser and get them to confirm that you have this cover and the amount insured. If you do not have it, make sure that it is added to your policy very, very soon!